Cumberland County and Gray Town property record for 16 Spruce Dr, Gray, ME 04039 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,643 sqft · built 2000 |
| Lot Size | 5.44 acres (236,966 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $710,000 (Aug 2025) |
| Tax Bill | $6,690 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage May 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20A42A001000 |
| Primary APN | 20A42A001000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,643 sqft Living Area |
| Basement Area | 500 sqft |
| Unfinished Basement | 500 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Material | Asphalt |
| Lot Area | 236,966 sqft (5.44 acres) |
| Deck Area | Deck Area |
| Heating System | Baseboard |
|---|
| Account Number | 2928 |
|---|---|
| Street Address | 16 SPRUCE DR |
| City | GRAY |
| State | ME |
| Zip | 04039-9726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 47 |
| Legal Lot Number | 42-2 |
| Jurisdiction | GRAY ME |
| Township / Civil Division | GRAY |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 4702 |
Source: Cumberland County and Gray Town records · APN 20A42A001000
Assessment roll updated July 30, 2026 · Last verified August 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 | 96 HOLM AVE, PORTLAND, ME 04102-1105 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BANGOR SAVINGS BANK |
| May 31, 2023 | Deed of Trust, Mortgage · Line of Credit CUMBERLAND COUNTY FCU |
| Jul 01, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CUMBERLAND COUNTY FCU |
| Aug 25, 2025 | Warranty Deed, Transfer · Conventional Mortgage BANGOR SAVINGS BANK |
| Apr 13, 2018 | Deed of Trust, Mortgage GORHAM SAVINGS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 25, 2025 · Amount on Record |
| Deed Sale | Aug 25, 2025 · Amount on Record |
| Deed Document Number | 202533626 |
| Deed Book / Page | 41673 / 242 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRAY ME |
| Property Address | 16 SPRUCE DR, GRAY, ME 04039-9726 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0421420178 |
|---|---|
| Date | Mar 30, 2026 |
| Book Page | 42142/178 |
| Instrument | 11778 |
| Name | BANGOR SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Apr 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRAY ME |
| Property Address | 16 SPRUCE DR, GRAY, ME 04039-9726 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0401570035 |
|---|---|
| Date | May 31, 2023 |
| Book Page | 40157/35 |
| Instrument | 17074 |
| Name | CUMBERLAND COUNTY FCU |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRAY ME |
| Property Address | 16 SPRUCE DR, GRAY, ME 04039-9726 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0383820075 |
|---|---|
| Date | Jul 01, 2021 |
| Book Page | 38382/75 |
| Instrument | 47176 |
| Name | CUMBERLAND COUNTY FCU |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GRAY ME |
| Recording Date | Aug 25, 2025 |
| Property Address | 16 SPRUCE DR, GRAY, ME 04039-9726 |
| Document Number | 0416730242 |
| Book / Page | 41673 / 242 |
| Instrument Date | Aug 22, 2025 |
| Instrument | 33626 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 96 HOLM AVE, PORTLAND, ME 04102-1105 |
| Document Number | 0000033627 |
|---|---|
| Date | Aug 25, 2025 |
| Instrument | 33627 |
| Name | BANGOR SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRAY ME |
| Property Address | 16 SPRUCE DR, GRAY, ME 04039-9726 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0347760118 |
|---|---|
| Date | Apr 13, 2018 |
| Book Page | 34776/0118 |
| Instrument | 000000016683 |
| Name | GORHAM SAVINGS BANK |
|---|
| Amount | Amount Recorded |
|---|
Source: Cumberland County and Gray Town records · Assessment roll updated July 30, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Cumberland County |
| County Subdivision | Gray Town |
| Unified School District | School Administrative District 15 (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $6,690.00 (-0.21%) | $691,100 (-) Land $161,300 Building $529,800 |
| 2024 | $6,704.00 (+7.97%) | $691,100 (+68.97%) Land $161,300 Building $529,800 |
| 2023 | $6,209.00 (+8.82%) | $409,000 (-) Land $75,800 Building $333,200 |
| 2022 | $5,706.00 | $409,000 Land $75,800 Building $333,200 |
Source: FEMA National Flood Hazard Layer, Cumberland County (23005C), updated June 3, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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