178 Sandy Cv, Palermo, ME 04354 Property Records

Waldo County and Palermo Town property record for 178 Sandy Cv, Palermo, ME 04354

Property Summary

Property Type	Single Family Home
Lot Size	2.4 acres (104,544 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,166 (2024)
Deeds & Mortgages	Jun 2022 Line of Credit Oct 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`PALE M:D2 L:69-6`

Property Details

APN / Parcel Number

Primary APN	`PALE M:D2 L:69-6`
Alternative APNs	`M:D2 L:69=6` `1016`

Exterior

Architectural Style	Multi-Family
Lot Area	104,544 sqft (2.4 acres)

Location & Zoning

Account Number	1016
Street Address	178 SANDY CV
City	PALERMO
State	ME
Zip	04354-6249
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	SANDY COVE ESTS
Legal Lot Number	69-6
Jurisdiction	PALERMO ME
Township / Civil Division	PALERMO
Census Block Group	1
Census Block	1038
Census Tract	46001

Owner

Source: Waldo County and Palermo Town 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	PO BOX 86, PALERMO, ME 04354-0086
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2022	Deed of Trust, Mortgage · Line of Credit KENNEBEC SAVINGS BANK
Oct 19, 2017	Deed of Trust, Mortgage KENNEBEC SVGS BK
Jun 8, 2017	Loan Modification, Mortgage · Line of Credit NORTHEAST BK

Assessor's Deed Record

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

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALERMO ME
Property Address	178 SANDY CV, PALERMO, ME 04354-6249
Transaction Type	Mortgage
Record Updated	Jun 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004807/60
Date	Jun 8, 2022
Book Page	4807/60
Instrument	2022-4841

Lender

Name	KENNEBEC SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALERMO ME
Property Address	178 SANDY CV, PALERMO, ME 04354-6249
Document Number	0042170090
Book / Page	004217 / 000090
Instrument Date	Oct 19, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 SANDY CV PALERMO ME 04354, PALERMO, ME 04354

Mortgage

Document Number	0042170090
Date	Oct 26, 2017
Book Page	004217/000090
Instrument	10351

Lender

Name	KENNEBEC SVGS BK
Type	Federal Savings Bank
Address	AUGUSTA, ME 04330

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Oct 25, 2042

Interest

Rate Type	Fixed Rate

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PALERMO ME
Property Address	178 SANDY CV, PALERMO, ME 04354-6249
Document Number	0041740096
Book / Page	004174 / 000096
Instrument Date	Jun 8, 2017
Transaction Type	Mortgage
Record Updated	Jun 29, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 86 PALERMO ME 043540086, PALERMO, ME 04354-0086

Mortgage

Document Number	0041740096
Date	Jun 16, 2017
Book Page	004174/000096
Instrument	4850

Lender

Name	NORTHEAST BK
Type	Bank
Address	LEWISTON, ME 04240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 15, 2027

Interest

Rate Type	Adjustable Rate
Rate	7%

Tax Assessment & Valuation

Source: Waldo County and Palermo Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Waldo County
County Subdivision	Palermo Town
Unified School District	Regional School Unit 12 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2024	$7,166.00 (+4.55%)	$623,100 (-) Land $115,800 Building $507,300
2023	$6,854.00 (+5.77%)	$623,100 (-) Land $115,800 Building $507,300
2022	$6,480.00	$623,100 Land $115,800 Building $507,300

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
Nearby Flood Policies	7 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

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 36 locations within half a mile, as of December 31, 2025

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

Cell Coverage

No cell data coverage reported

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