14 Willow St, Howland, ME 04448 Property Records

Penobscot County and Howland Town property record for 14 Willow St, Howland, ME 04448

Property Summary

Property Type	Single Family Home
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,235 (2025)
Deeds & Mortgages	May 2026 Mortgage Nov 2022 Mortgage + 1 more
APN	`HOWL M:U01 L:091`

Property Details

APN / Parcel Number

Primary APN	`HOWL M:U01 L:091`
Alternative APN	`199`

Exterior

Architectural Style	Multi-Family
Lot Area	9,148 sqft (0.21 acres)

Location & Zoning

Account Number	199
Street Address	14 WILLOW ST
City	HOWLAND
State	ME
Zip	04448-3747
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	91
Jurisdiction	HOWLAND ME
Township / Civil Division	HOWLAND
Census Block Group	1
Census Block	1085
Census Tract	28500

Owner

14 Willow St is owned and occupied by two individuals.

Source: Penobscot County and Howland Town records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	14 WILLOW ST, HOWLAND, ME 04448-3747
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage COUNTY FEDERAL CREDIT UNION
Nov 10, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE
May 2, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWLAND ME
Recording Date	May 19, 2026
Property Address	14 WILLOW ST, HOWLAND, ME 04448-3747
Document Number	0178750294
Book / Page	17875 / 294
Instrument Date	May 14, 2026
Instrument	202612239
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 WILLOW ST, HOWLAND, ME 04448-3747

Mortgage

Document Number	0000012239,
Date	May 19, 2026
Book Page	17875/294
Instrument	202612239

Lender

Name	COUNTY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWLAND ME
Property Address	14 WILLOW ST, HOWLAND, ME 04448-3747
Transaction Type	Mortgage
Record Updated	Nov 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0166830186
Date	Nov 10, 2022
Book Page	16683/186
Instrument	33199

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWLAND ME
Property Address	14 WILLOW ST, HOWLAND, ME 04448-3747
Document Number	0148040287
Instrument Date	May 2, 2018
Transaction Type	Mortgage
Record Updated	May 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14 WILLOW ST HOWLAND ME 044483747, HOWLAND, ME 04448-3747

Mortgage

Document Number	0148040287
Date	May 9, 2018
Book Page	014804/000287
Instrument	11545

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, ME 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 8, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 14 Willow St was $1,235, up 23.9% from the year before.

Source: Penobscot County and Howland Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Penobscot County
County Subdivision	Howland Town
Unified School District	School Administrative District 31 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$1,235.00 (+23.87%)	$60,220 (+26.83%) Land $18,660 Building $41,560
2024	$997.00 (-4.78%)	$47,480 (-) Land $14,550 Building $32,930
2023	$1,047.00 (+22.6%)	$47,480 (+36.24%) Land $14,550 Building $32,930
2022	$854.00	$34,850 Land $10,540 Building $24,310

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA's flood maps do not cover 14 Willow St; there have been 5 flood claims nearby since 1987.

Source: FEMA National Flood Hazard Layer, effective August 7, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	5 (1987–2019)
Most Recent Claim	Apr 2019 · other causes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 14 Willow St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of Maine
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HOWLAND WATER DEPARTMENT serves 1,025 people · EPA ID ME0090710
Water Source	Purchased groundwater from LINCOLN WATER DISTRICT
Last State Inspection	Mar 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: GoNetspeed.

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