149 Cottage Rd, Gray, ME 04039 Property Records

Cumberland County and Gray Town property record for 149 Cottage Rd, Gray, ME 04039

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,584 sqft · built 1930
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$510,000 (Oct 2020)
Tax Bill	$4,994 (2025)
Deeds & Mortgages	Apr 2019 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`F03017000000`

Property Details

APN / Parcel Number

Primary APN	`F03017000000`
Alternative APNs	`GRAY M:074 B:203 L:017-000` `3344`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,584 sqft Living Area
Basement Area	350 sqft
Unfinished Basement	350 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Metal
Lot Area	13,939 sqft (0.32 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	3344
Street Address	149 COTTAGE RD
City	GRAY
State	ME
Zip	04039-5421
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Block	203
Legal Lot Number	17-0
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	1
Census Block	1037
Census Tract	4702

Owner

149 Cottage Rd is owned and occupied by an individual who bought it in October 2020.

Source: Cumberland County and Gray Town records, as of July 30, 2026

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

Owner of Record	Individual Name on File
Mailing Address	149 COTTAGE RD, GRAY, ME 04039-5421
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2019	Deed of Trust, Mortgage · Balloon Mortgage CUMBERLAND COUNTY FCU
Oct 27, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2020 · Amount on File
Deed Sale	Oct 27, 2020 · Amount on File
Prior Sale	Oct 31, 2013 · Amount on File
Deed Document Number	202068886
Deed Book / Page	37350 / 105
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	149 COTTAGE RD, GRAY, ME 04039-5421
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0355820280
Date	Apr 17, 2019
Book Page	35582/280
Instrument	15299

Lender

Name	CUMBERLAND COUNTY FCU

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAY ME
Recording Date	Oct 27, 2020
Property Address	149 COTTAGE RD, GRAY, ME 04039-5421
Document Number	0373500105
Book / Page	37350 / 105
Instrument Date	Oct 23, 2020
Instrument	68886
Transaction Type	Transfer
Record Updated	Feb 2, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	19702 BELLA LOMA APT 3209, 3209, SAN ANTONIO, TX 78256-0003

Mortgage

Document Number	0000068887
Date	Oct 27, 2020
Instrument	68887

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 149 Cottage Rd was $4,994.

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

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Gray Town
Unified School District	School Administrative District 15 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,994.00	$515,900 Land $217,100 Building $298,800
2023	$4,918.00 (+8.81%)	$324,000 (-) Land $135,000 Building $189,000
2022	$4,520.00	$324,000 Land $135,000 Building $189,000

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

Flood

FEMA maps place 149 Cottage 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

Wildfire risk around 149 Cottage Rd 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 95% 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	GRAY WATER DISTRICT serves 2,468 people · EPA ID ME0090620
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Oct 2024
Treatment and Procedure	Coliform assessment Nov 2024
Monitoring and Reporting	3 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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Fidium Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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