Penobscot County and Bradley Town property record for 175 Cram St, Bradley, ME 04411
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,344 sqft · built 1974 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,721 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Nov 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | BRAY M:017 L:003 |
| Primary APN | BRAY M:017 L:003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Basement Area | 300 sqft |
| Unfinished Basement | 300 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Material | Asphalt |
| Lot Area | 87,120 sqft (2 acres) |
| Heating System | Hot Water |
|---|
| Account Number | 433 |
|---|---|
| Street Address | 175 CRAM ST |
| City | BRADLEY |
| State | ME |
| Zip | 04411-5175 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 3 |
| Jurisdiction | BRADLEY ME |
| Township / Civil Division | BRADLEY |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 8001 |
Source: Penobscot County and Bradley Town records, as of August 12, 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 | PO BOX 412, BRADLEY, ME 04411-0412 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 27, 2026 | Deed of Trust, Mortgage · Balloon Mortgage UNIVERSITY CREDIT UNION |
| Nov 1, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Dec 11, 2018 | Deed of Trust, Mortgage UNIVERSITY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 15, 2011 |
| Deed Sale | Mar 15, 2011 |
| Deed Document Number | 20116462 |
| Deed Book / Page | 12425 / 307 |
| Last Transfer Date | Nov 1, 2023 |
| Transfer Doc | 0169890219 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRADLEY ME |
| Recording Date | Jul 27, 2026 |
| Property Address | 175 CRAM ST, BRADLEY, ME 04411-5175 |
| Document Number | 0000020097 |
| Book / Page | 17956 / 272 |
| Instrument Date | Jul 22, 2026 |
| Instrument | 202620097 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 175 CRAM ST, BRADLEY, ME 04411-5175 |
| Document Number | 0000020097, |
|---|---|
| Date | Jul 27, 2026 |
| Book Page | 17956/272 |
| Instrument | 202620097 |
| Name | UNIVERSITY CREDIT UNION |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 1, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Initial Type | Adjustable Rate |
| Type Change Date | Jul 25, 2041 |
| Margin | 3 |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BRADLEY ME |
| Recording Date | Nov 1, 2023 |
| Property Address | 175 CRAM ST, BRADLEY, ME 04411-5175 |
| Document Number | 0169890219 |
| Book / Page | 16989 / 219 |
| Instrument Date | Nov 1, 2023 |
| Instrument | 26575 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 175 CRAM ST, BRADLEY, ME 04411-5175 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRADLEY ME |
| Property Address | 175 CRAM ST, BRADLEY, ME 04411-5175 |
| Document Number | 0150340260 |
| Instrument Date | Dec 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2019 |
| Name | Verified Name |
|---|---|
| Address | 175 CRAM ST BRADLEY ME 044115175, BRADLEY, ME 04411-5175 |
| Document Number | 0150340260 |
|---|---|
| Date | Dec 27, 2018 |
| Book Page | 015034/000260 |
| Instrument | 38821 |
| Name | UNIVERSITY CU |
|---|---|
| Type | Credit Union |
| Address | ORONO, ME 04473 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Dec 26, 2033 |
Source: Penobscot County and Bradley Town assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Penobscot County |
| County Subdivision | Bradley Town |
| Unified School District | Regional School Unit 34 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,721.00 (+6.79%) | $231,600 (-) Land $52,300 Building $179,300 | |
| 2024 | $2,548.00 (+7.15%) | $231,600 (+60.72%) Land $52,300 Building $179,300 | |
| 2023 | $2,378.00 (+6.45%) | $144,100 (-) Land $38,400 Building $105,700 | $232,275 |
| 2022 | $2,234.00 | $144,100 Land $38,400 Building $105,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 7, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 18 (1979–2018) |
| Claims Outside the SFHA | 9 of 18 |
| Most Recent Claim | Jan 2018 · river or lake flooding |
| Claims by Event |
|
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OLD TOWN WATER DISTRICT serves 7,648 people · EPA ID ME0091200 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 8 ppb (2026) action level 15 ppb |
| Copper | 1.4 mg/L (2025) action level 1.3 mg/L |
| 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.
Source: FCC Broadband Data Collection, based on 20 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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