16 Charles St, Hampden, ME 04444 Property Records

Penobscot County and Hampden Town property record for 16 Charles St, Hampden, ME 04444

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,178 sqft · built 1992
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Apr 2023)
Tax Bill	$6,818 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Jun 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`HAMN M:23 B:A L:020`

Property Details

APN / Parcel Number

Primary APN	`HAMN M:23 B:A L:020`
Alternative APN	`2026`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,178 sqft Living Area
1st Floor Area	764 sqft
Basement Area	140 sqft
Unfinished Basement	140 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	2026
Street Address	16 CHARLES ST
City	HAMPDEN
State	ME
Zip	04444-1610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	11 - R
Legal Subdivision	WESTBROOK TER EXPANSION FINAL
Legal Block	A
Legal Lot Number	20
Jurisdiction	HAMPDEN ME
Township / Civil Division	HAMPDEN
Census Block Group	2
Census Block	2010
Census Tract	2000

Owner

Source: Penobscot County and Hampden Town records, as of May 22, 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 Record
Mailing Address	16 CHARLES ST, HAMPDEN, ME 04444-1610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2023	Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC
Jun 14, 2021	Warranty Deed, Transfer · FHA Mortgage UNIVERSITY CREDIT UNION
Jun 22, 2018	Deed of Trust, Transfer · FHA Mortgage EMBRACE HM LOANS
Jun 22, 2018	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HM LOANS
Jun 22, 2018	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2023 · Amount on Record
Deed Sale	Apr 7, 2023 · Amount on Record
Prior Sale	Jun 14, 2021 · Amount on Record
Deed Document Number	20236971
Deed Book / Page	16792 / 304
Record Updated	Sep 20, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMPDEN ME
Recording Date	Apr 7, 2023
Property Address	16 CHARLES ST, HAMPDEN, ME 04444-1610
Document Number	0167920304
Book / Page	16792 / 304
Instrument Date	Apr 5, 2023
Instrument	6971
Transaction Type	Transfer
Record Updated	Apr 24, 2023

Transaction

Amount	Amount Recorded
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 Venture
Address	PO BOX 2435, CORDOVA, AK 99574-2435

Mortgage

Document Number	0000006972
Date	Apr 7, 2023
Instrument	6972

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMPDEN ME
Recording Date	Jun 14, 2021
Property Address	16 CHARLES ST, HAMPDEN, ME 04444-1610
Document Number	0160630293
Book / Page	16063 / 293
Instrument Date	Jun 11, 2021
Instrument	19719
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
Address	120 ELM ST APT 4, 4, BREWER, ME 04412-2500

Mortgage

Document Number	0000019720
Date	Jun 14, 2021
Instrument	19720

Lender

Name	UNIVERSITY CREDIT UNION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

June 2018: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	HAMPDEN ME
Property Address	16 CHARLES ST, HAMPDEN, ME 04444-1610
Document Number	0148500196
Instrument Date	Jun 22, 2018
Transaction Type	Transfer
Record Updated	Jul 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 CHARLES ST HAMPDEN ME 044441610, HAMPDEN, ME 04444-1610

Mortgage

Document Number	0148500196
Date	Jun 26, 2018
Book Page	014850/000196
Instrument	16886

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2048

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMPDEN ME
Property Address	16 CHARLES ST, HAMPDEN, ME 04444-1610
Document Number	0148630326
Instrument Date	Jun 22, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 CHARLES ST HAMPDEN ME 044441610, HAMPDEN, ME 04444-1610

Mortgage

Document Number	0148630326
Date	Jul 5, 2018
Book Page	014863/000326
Instrument	18593

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2048

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMPDEN ME
Property Address	16 CHARLES ST, HAMPDEN, ME 04444-1610
Document Number	0148630237
Instrument Date	Jun 22, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 CHARLES ST HAMPDEN ME 044441610, HAMPDEN, ME 04444-1610

Mortgage

Document Number	0148630237
Date	Jul 5, 2018
Book Page	014863/000237
Instrument	18582

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2048

Tax Assessment & Valuation

Source: Penobscot County and Hampden Town assessment roll, as of May 22, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Penobscot County
County Subdivision	Hampden Town
Unified School District	Regional School Unit 22 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,818.00 (+25.12%)	$386,300 (+10.94%) Land $50,370 Building $335,930
2024	$5,449.00 (-1%)	$348,200 (+21.79%) Land $45,400 Building $302,800
2023	$5,504.00 (+5.89%)	$285,900 (+13.86%) Land $37,300 Building $248,600	$401,660
2022	$5,198.00	$251,100 Land $32,700 Building $218,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 7, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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	HAMPDEN WATER DISTRICT serves 4,800 people · EPA ID ME0090660
Water Source	Purchased surface water from BANGOR WATER DISTRICT
Last State Inspection	May 2023
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 194 locations within half a mile, as of December 31, 2025

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

May also be available: Fidium Fiber, Verizon.

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