15 Garett Ave, Gray, ME 04039 Property Records

Cumberland County and Gray Town property record for 15 Garett Ave, Gray, ME 04039

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,547 sqft · built 2002
Lot Size	2.97 acres (129,373 sqft)
Owner	Individual Name on Record
Last Sale	$182,300 (Nov 2006)
Tax Bill	$4,105 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01015M005000`

Property Details

APN / Parcel Number

Primary APN	`01015M005000`
Alternative APNs	`GRAY M:013 B:010 L:015-020` `374`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,547 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	129,373 sqft (2.97 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	374
Street Address	15 GARETT AVE
City	GRAY
State	ME
Zip	04039-7754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	NORTHRIDGE ACRES
Legal Block	10
Legal Lot Number	15-20
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	3
Census Block	3009
Census Tract	4702

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	15 GARETT AVE, GRAY, ME 04039-7754
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Deed of Trust, Mortgage · Line of Credit CUMBERLAND COUNTY FEDERAL CREDIT UNION
Sep 17, 2025	Deed of Trust, Mortgage CUMBERLAND COUNTY FCU
Jun 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CUMBERLAND COUNTY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2006 · Amount on Record
Deed Sale	Nov 20, 2006 · Amount on Record
Deed Document Number	200676190
Deed Book / Page	24585 / 131
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Recording Date	Jul 13, 2026
Property Address	15 GARETT AVE, GRAY, ME 04039-7754
Document Number	0000028893
Book / Page	42392 / 240
Instrument Date	Jun 29, 2026
Instrument	202628893
Transaction Type	Mortgage
Record Updated	Jul 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 GARETT AVE, GRAY, ME 04039-7754

Mortgage

Document Number	0000028893,
Date	Jul 13, 2026
Book Page	42392/240
Instrument	202628893

Lender

Name	CUMBERLAND COUNTY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	15 GARETT AVE, GRAY, ME 04039-7754
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0417290341
Date	Sep 17, 2025
Book Page	41729/341
Instrument	37758

Lender

Name	CUMBERLAND COUNTY FCU

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2040

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	15 GARETT AVE, GRAY, ME 04039-7754
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0383680042
Date	Jun 29, 2021
Book Page	38368/42
Instrument	46278

Lender

Name	CUMBERLAND COUNTY FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

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	$4,105.00 (+0.22%)	$424,100 (+57.19%) Land $145,000 Building $279,100
2023	$4,096.00 (+8.82%)	$269,800 (-) Land $73,400 Building $196,400
2022	$3,764.00	$269,800 Land $73,400 Building $196,400

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

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

Wildfire Risk	Low lower than 80% of the US · above 53% of Maine
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 69 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE only, no 5G reported

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