16 Oak St, Westbrook, ME 04092 Property Records

Cumberland County and Westbrook City property record for 16 Oak St, Westbrook, ME 04092

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,232 sqft · built 1925
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Sep 2023)
Tax Bill	$5,574 (2023)
Deeds & Mortgages	Sep 2023 Sale Apr 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WSBR M:035 L:037`

Property Details

APN / Parcel Number

Primary APN	`WSBR M:035 L:037`
Alternative APNs	`M:035 B:037` `2711`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,232 sqft Living Area
Gross Area	4,615 sqft
1st Floor Area	1,136 sqft
Attic	Attic
Attic Area	900 sqft
Basement Area	1,044 sqft
Unfinished Basement	1,044 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	16 OAK ST
City	WESTBROOK
State	ME
Zip	04092-4720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	11
Legal Lot Number	37
Jurisdiction	WESTBROOK ME
Township / Civil Division	WESTBROOK
Census Block Group	1
Census Block	1021
Census Tract	2800

Owner

16 Oak St is owned and occupied by two individuals who bought it in September 2023.

Source: Cumberland County and Westbrook City records, as of October 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	16 OAK ST, WESTBROOK, ME 04092-4720
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2023	Warranty Deed, Transfer
Apr 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Jan 17, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2023 · Amount on File
Deed Sale	Sep 5, 2023 · Amount on File
Prior Sale	Oct 31, 2008 · Amount on File
Deed Document Number	202331051
Deed Book / Page	40340 / 167
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTBROOK ME
Recording Date	Sep 5, 2023
Property Address	16 OAK ST, WESTBROOK, ME 04092-4720
Document Number	0403400167
Book / Page	40340 / 167
Instrument Date	Aug 30, 2023
Instrument	31051
Transaction Type	Transfer
Record Updated	Sep 18, 2023

Transaction

Amount	Amount 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	Tenants in Common
Address	107 COLUMBIA HTS APT 2M, 2M, BROOKLYN, NY 11201-7328

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTBROOK ME
Property Address	16 OAK ST, WESTBROOK, ME 04092-4720
Transaction Type	Mortgage
Record Updated	May 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0380970074
Date	Apr 21, 2021
Book Page	38097/74
Instrument	28390

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTBROOK ME
Property Address	16 OAK ST, WESTBROOK, ME 04092-4720
Document Number	0363870218
Instrument Date	Jan 17, 2020
Transaction Type	Mortgage
Record Updated	Feb 10, 2020
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 OAK ST WESTBROOK ME 040924720, WESTBROOK, ME 04092-4720

Mortgage

Document Number	0363870218
Date	Jan 31, 2020
Book Page	036387/000218
Instrument	5668

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 30, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cumberland County and Westbrook City assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
Municipality	Westbrook City
Unified School District	Westbrook (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2023	$5,574.00 (+9.94%)	$334,200 (+19.31%) Land $93,700 Building $240,500
2022	$5,070.00	$280,100 Land $78,100 Building $202,000

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

FEMA maps place 16 Oak St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1999.

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 Claims	3 (1999–2010)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Feb 2010 · Severe Winter Storm

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

The area around 16 Oak St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	PORTLAND WATER DISTRICT-GREATER serves 135,068 people · EPA ID ME0091300
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 295 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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