178 Bluff Cir, New Gloucester, ME 04260 Property Records

Cumberland County and New Gloucester Town property record for 178 Bluff Cir, New Gloucester, ME 04260

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,580 sqft · built 1988
Lot Size	2.01 acres (87,556 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,982 (2025)
Deeds & Mortgages	Apr 2021 Refinance Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:0003 L:0052=U`

Property Details

APN / Parcel Number

Primary APN	`M:0003 L:0052=U`
Alternative APNs	`NEWG M:0003 L:0052-U` `701`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,580 sqft Living Area
1st Floor Area	1,260 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	87,556 sqft (2.01 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	701
Street Address	178 BLUFF CIR
City	NEW GLOUCESTER
State	ME
Zip	04260-4229
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SEASON
Legal Subdivision	BLUEBERRY BLUFF
Legal Lot Number	52-U
Jurisdiction	NEW GLOUCESTER ME
Township / Civil Division	NEW GLOUCESTER
Census Block Group	3
Census Block	3008
Census Tract	11500

Owner

178 Bluff Cir is owned and occupied by two individuals.

Source: Cumberland County and New Gloucester Town records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	178 BLUFF CIR, NEW GLOUCESTER, ME 04260-4229
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
Apr 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance USAA FSB
Feb 26, 2020	Deed of Trust, Mortgage · VA Mortgage USAA

Assessor's Deed Record

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW GLOUCESTER ME
Property Address	178 BLUFF CIR, NEW GLOUCESTER, ME 04260-4229
Transaction Type	Mortgage
Record Updated	Apr 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0380520151
Date	Apr 12, 2021
Book Page	38052/151
Instrument	25530

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW GLOUCESTER ME
Property Address	178 BLUFF CIR, NEW GLOUCESTER, ME 04260-4229
Document Number	0364820234
Instrument Date	Feb 26, 2020
Transaction Type	Mortgage
Record Updated	Apr 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	178 BLUFF CIR NEW GLOUCESTER ME 042604229, NEW GLOUCESTER, ME 04260-4229

Mortgage

Document Number	0364820234
Date	Mar 6, 2020
Book Page	036482/000234
Instrument	12149

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 5, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 178 Bluff Cir was $4,982.

Source: Cumberland County and New Gloucester Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	New Gloucester Town
Unified School District	School Administrative District 15 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,982.00	$322,053 Land $96,033 Building $226,020
2023	$4,599.00 (+3.56%)	$321,829 (-) Land $96,033 Building $225,796
2022	$4,441.00	$321,829 Land $96,033 Building $225,796

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

Flood

FEMA maps place 178 Bluff Cir in Zone X, an area of minimal flood risk.

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 Policies	1 in force

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

Wildfire risk around 178 Bluff Cir is low, with a 0.01% annual chance of 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bluff Cir

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