173 Cedar St, Belfast, ME 04915 Property Records

Waldo County and Belfast City property record for 173 Cedar St, Belfast, ME 04915

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 616 sqft · built 1900
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,345 (2025)
Deeds & Mortgages	Sep 2021 Refinance Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`BELF M:035 L:001`

Property Details

APN / Parcel Number

Primary APN	`BELF M:035 L:001`
Alternative APN	`2769`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	616 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Brick
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	2769
Street Address	173 CEDAR ST
City	BELFAST
State	ME
Zip	04915-6127
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	1
Jurisdiction	BELFAST ME
Township / Civil Division	BELFAST
Census Block Group	4
Census Block	4028
Census Tract	43000

Owner

Source: Waldo County and Belfast City records, as of July 30, 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	173 CEDAR ST, BELFAST, ME 04915-6127
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance RELIANCE FIRST CAPITAL LLC
Aug 23, 2018	Deed of Trust, Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELFAST ME
Property Address	173 CEDAR ST, BELFAST, ME 04915-6127
Transaction Type	Mortgage
Record Updated	Oct 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4710/7
Date	Sep 21, 2021
Book Page	4710/7
Instrument	2021-10634

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	133 Months
Due	Oct 1, 2032

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELFAST ME
Property Address	173 CEDAR ST, BELFAST, ME 04915-6127
Document Number	0043040256
Instrument Date	Aug 23, 2018
Transaction Type	Mortgage
Record Updated	Sep 27, 2018
Title Company	FIRST AMERICAN TITLE INC COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	173 CEDAR ST BELFAST ME 049156127, BELFAST, ME 04915-6127

Mortgage

Document Number	0043040256
Date	Sep 7, 2018
Book Page	004304/000256
Instrument	8694

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Sep 6, 2038

Tax Assessment & Valuation

Source: Waldo County and Belfast City assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Waldo County
Municipality	Belfast City
Unified School District	Regional School Unit 71 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$6,345.00 (+6.39%)	$388,300 (+0.26%) Land $180,300 Building $208,000
2024	$5,964.00 (+54.95%)	$387,300 (+102.25%) Land $180,300 Building $207,000
2023	$3,849.00 (-3%)	$191,500 (+3.29%) Land $71,800 Building $119,700
2022	$3,968.00	$185,400 Land $71,800 Building $113,600

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

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	6 (2009–2024)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jan 2024 · 3 claims Severe Storm And Flooding, Oct 2017 · 2 claims

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 80% of the US · above 53% of Maine
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	BELFAST WATER DISTRICT serves 5,698 people · EPA ID ME0090140
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	3 ppb (2021–2023) 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 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Tidewater O.P.E.N., UniTel.

Cell Coverage

5G (outdoors only) and 4G LTE

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