146 Harbor Rd, Naples, ME 04055 Property Records

Cumberland County and Naples Town property record for 146 Harbor Rd, Naples, ME 04055

Property Summary

Details	837 sqft
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$159,400 (Jan 2016)
Tax Bill	$4,643 (2025)
Deeds & Mortgages	Jul 2023 Refinance Aug 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NAPL M:U28 L:0023`

Property Details

APN / Parcel Number

Primary APN	`NAPL M:U28 L:0023`
Alternative APN	`2238`

Interior

Stories	1 Story
Building Area	837 sqft Total Area

Exterior

Lot Area	8,712 sqft (0.2 acres)

Location & Zoning

Account Number	2238
Street Address	146 HARBOR RD
City	NAPLES
State	ME
Zip	04055-3438
Property Category	Other
Property Type	Unknown
Local Zoning Code	RES
Legal Subdivision	SEBAGO HARBOR
Legal Lot Number	23
Jurisdiction	NAPLES ME
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1008
Census Tract	14002

Owner

146 Harbor Rd is owned by two individuals who bought it in January 2016.

Source: Cumberland County and Naples Town records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	27 MURRAY CIR, RAYNHAM, MA 02767-1518
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
Jul 25, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance NORWAY SAVINGS BANK
Aug 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA
Sep 5, 2017	Deed of Trust, Mortgage SANTANDER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2016 · Amount on File
Deed Sale	Jan 20, 2016 · Amount on File
Prior Sale	Jul 8, 2015
Deed Document Number	20162813
Deed Book / Page	32867 / 176
Transfer Doc	0328670176
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPLES ME
Property Address	146 HARBOR RD, NAPLES, ME 04055-3438
Transaction Type	Mortgage
Record Updated	May 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0402590198
Date	Jul 25, 2023
Book Page	40259/198
Instrument	24538

Lender

Name	NORWAY SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2048

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPLES ME
Property Address	146 HARBOR RD, NAPLES, ME 04055-3438
Transaction Type	Mortgage
Record Updated	May 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0384990001
Date	Aug 3, 2021
Book Page	38499/1
Instrument	55417

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPLES ME
Property Address	146 HARBOR RD, NAPLES, ME 04055-3438
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0342880172
Date	Sep 5, 2017
Book Page	34288/0172
Instrument	000000044623

Lender

Name	SANTANDER BANK NA

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 22, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 146 Harbor Rd was $4,643.

Source: Cumberland County and Naples Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Naples Town
Unified School District	School Administrative District 61 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,643.00	$488,699 Land $275,250 Building $213,449
2023	$4,245.00 (+65.18%)	$463,908 (+48.92%) Land $275,250 Building $188,658
2022	$2,570.00	$311,514 Land $263,250 Building $48,264

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

Flood

FEMA maps place 146 Harbor Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 3, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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

The area around 146 Harbor Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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