16 Monument St, Lubec, ME 04652 Property Records

Washington County and Lubec Town property record for 16 Monument St, Lubec, ME 04652

Property Summary

Property Type	Single Family Home
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Feb 2026)
Tax Bill	$3,198 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Feb 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`LUBE M:015 L:293`

Property Details

APN / Parcel Number

Primary APN	`LUBE M:015 L:293`
Alternative APN	`1103`

Exterior

Lot Area	6,534 sqft (0.15 acres)

Location & Zoning

Account Number	1103
Street Address	16 MONUMENT ST
City	LUBEC
State	ME
Zip	04652-1016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	293
Jurisdiction	LUBEC ME
Township / Civil Division	LUBEC
Census Block Group	1
Census Block	1001
Census Tract	955800

Owner

Source: Washington County and Lubec 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 MONUMENT ST, LUBEC, ME 04652-1016
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2022	Deed of Trust, Mortgage · Line of Credit MACHIAS SAVINGS BANK
Feb 10, 2026	Warranty Deed, Transfer · FHA Mortgage NORTHEAST HOME LOAN
Sep 29, 2017	Warranty Deed, Transfer MACHIAS SAVINGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2026 · Amount on Record
Deed Sale	Feb 10, 2026 · Amount on Record
Prior Sale	Sep 29, 2017 · Amount on Record
Deed Document Number	2026924
Deed Book / Page	5266 / 268
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBEC ME
Property Address	16 MONUMENT ST, LUBEC, ME 04652-1016
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048830211
Date	Feb 14, 2022
Book Page	4883/211
Instrument	1341

Lender

Name	MACHIAS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUBEC ME
Recording Date	Feb 10, 2026
Property Address	16 MONUMENT ST, LUBEC, ME 04652-1016
Document Number	0052660268
Book / Page	5266 / 268
Instrument Date	Jan 23, 2026
Instrument	2026924
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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

Mortgage

Document Number	0002026925
Date	Feb 10, 2026
Instrument	2026-925

Lender

Name	NORTHEAST HOME LOAN

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUBEC ME
Recording Date	Sep 29, 2017
Property Address	16 MONUMENT ST, LUBEC, ME 04652-1016
Document Number	0044010128
Book / Page	04401 / 0128
Instrument	000000010406
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010407
Date	Sep 29, 2017
Instrument	000000010407

Lender

Name	MACHIAS SAVINGS BK

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Sep 29, 2027

Tax Assessment & Valuation

Source: Washington County and Lubec Town assessment roll, as of May 22, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Washington County
County Subdivision	Lubec Town
Unified School District	School Administrative District 19 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,198.00 (+6.32%)	$158,300 (-) Land $37,600 Building $120,700
2024	$3,008.00 (+23.38%)	$158,300 (+0.01%) Land $37,600 Building $120,700
2023	$2,438.00 (+67.56%)	$158,291 (+163.42%) Land $37,563 Building $120,728
2022	$1,455.00	$60,091 Land $21,895 Building $38,196

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective April 16, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2016–2020)
Most Recent Claim	Apr 2020 · rainfall accumulation

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 96% of the US · lower than 97.9% of Maine
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	LUBEC WATER DISTRICT serves 1,775 people · EPA ID ME0090900
Water Source	Groundwater
Last State Inspection	Jul 2022
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE only, no 5G reported

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