15 Phinney St, Gorham, ME 04038 Property Records

Cumberland County and Gorham Town property record for 15 Phinney St, Gorham, ME 04038 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,496 sqft · built 1994
Lot Size	5.6 acres (243,936 sqft)
Owner	2 Individual Names on File
Last Sale	$443,800 (Feb 2025)
Tax Bill	$7,921 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jan 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M272225R`

Property Details

APN / Parcel Number

Primary APN	`M272225R`
Alternative APN	`GRHM M:043 B:012 L:000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,496 sqft Living Area
Gross Area	5,964 sqft
1st Floor Area	2,496 sqft
Basement Area	2,496 sqft
Unfinished Basement	2,328 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2003
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	243,936 sqft (5.6 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	M272225R
Street Address	15 PHINNEY ST
City	GORHAM
State	ME
Zip	04038-2061
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	12
Jurisdiction	GORHAM ME
Township / Civil Division	GORHAM
Census Block Group	4
Census Block	4005
Census Tract	4002

Owner

Source: Cumberland County and Gorham Town records · APN M272225R

Assessment roll updated May 21, 2026 · Last verified June 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	15 PHINNEY ST, GORHAM, ME 04038-2061
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · Line of Credit BANGOR SAVINGS BANK
Jan 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Sep 19, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO
Sep 05, 2018	Deed of Trust, Mortgage BANGOR SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 07, 2025 · Amount on Record
Deed Sale	Feb 07, 2025 · Amount on Record
Prior Sale	Sep 19, 2022 · Amount on Record
Deed Document Number	20254683
Deed Book / Page	41274 / 118
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GORHAM ME
Recording Date	May 26, 2026
Property Address	15 PHINNEY ST, GORHAM, ME 04038-2061
Document Number	0422740140
Book / Page	42274 / 140
Instrument Date	May 23, 2026
Instrument	202620373
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 PHINNEY ST, GORHAM, ME 04038-2061
Investor	Possibly a Property Investor

Mortgage

Document Number	0000020373,
Date	May 26, 2026
Book Page	42274/140
Instrument	202620373

Lender

Name	BANGOR SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GORHAM ME
Property Address	15 PHINNEY ST, GORHAM, ME 04038-2061
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0420060001
Date	Jan 21, 2026
Book Page	42006/1
Instrument	2437

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2056

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GORHAM ME
Recording Date	Sep 19, 2022
Property Address	15 PHINNEY ST, GORHAM, ME 04038-2061
Document Number	0397220220
Book / Page	39722 / 220
Instrument Date	Sep 16, 2022
Instrument	47635
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	6 THISTLE LN, FALMOUTH, ME 04105-1858

Mortgage

Document Number	0000047636
Date	Sep 19, 2022
Instrument	47636

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GORHAM ME
Property Address	15 PHINNEY ST, GORHAM, ME 04038-2061
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0351210214
Date	Sep 05, 2018
Book Page	35121/0214
Instrument	000000045281

Lender

Name	BANGOR SAVINGS BANK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 05, 2048

Tax Assessment & Valuation

Source: Cumberland County and Gorham Town records · Assessment roll updated May 21, 2026 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2025	$7,921.00 (+0.69%)	$535,200 (-) Land $107,500 Building $427,700
2024	$7,867.00 (+14.4%)	$535,200 (-) Land $107,500 Building $427,700
2022	$6,877.00	$535,200 Land $107,500 Building $427,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cumberland County (23005C), updated June 3, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 230050040024, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 54% of Maine
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 32 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Consolidated Communications	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 35
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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