Cumberland County and Harpswell Town property record for 18 Wharf Rd, Harpswell, ME 04079
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,046 sqft · built 1940 |
| Lot Size | 0.7 acres (30,492 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,280 (2025) |
| Deeds & Mortgages | Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | HARP M:005 L:093 |
| Primary APN | HARP M:005 L:093 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,046 sqft Living Area |
| Gross Area | 1,808 sqft |
| 1st Floor Area | 654 sqft |
| Basement Area | 448 sqft |
| Unfinished Basement | 448 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 30,492 sqft (0.7 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 206 |
|---|---|
| Street Address | 18 WHARF RD |
| City | HARPSWELL |
| State | ME |
| Zip | 04079-2832 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IN |
| Legal Lot Number | 93 |
| Jurisdiction | HARPSWELL ME |
| Township / Civil Division | HARPSWELL |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 17101 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Dunning, Deacon Andrew, House listed 1999 · 3 contributing resources · NRIS 99001188 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Cumberland County and Harpswell 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 | 18 WHARF RD, HARPSWELL, ME 04079-2832 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARPSWELL ME |
| Property Address | 18 WHARF RD, HARPSWELL, ME 04079-2832 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0343380250 |
|---|---|
| Date | Sep 26, 2017 |
| Book Page | 34338/0250 |
| Instrument | 000000049025 |
| Name | FIVE COUNTY CU |
|---|
| Amount | Amount Recorded |
|---|
Source: Cumberland County and Harpswell Town assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Cumberland County |
| County Subdivision | Harpswell Town |
| Unified School District | School Administrative District 75 (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $1,280.00 (+4.75%) | $192,200 (-) Land $57,000 Building $135,200 |
| 2024 | $1,222.00 (+4.27%) | $192,200 (-) Land $57,000 Building $135,200 |
| 2023 | $1,172.00 (+3.35%) | $192,200 (-) Land $57,000 Building $135,200 |
| 2022 | $1,134.00 | $192,200 Land $57,000 Building $135,200 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 1 (2025) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2025 |
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: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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