18 Willow St, Howland, ME 04448 Property Records

Penobscot County and Howland Town property record for 18 Willow St, Howland, ME 04448

Property Summary

Property Type	Single Family Home
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Sep 2025)
Tax Bill	$1,751 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Oct 2023 Transfer + 2 more
APN	`HOWL M:U01 L:089`

Property Details

APN / Parcel Number

Primary APN	`HOWL M:U01 L:089`
Alternative APN	`389`

Exterior

Architectural Style	Multi-Family
Lot Area	5,663 sqft (0.13 acres)

Location & Zoning

Account Number	389
Street Address	18 WILLOW ST
City	HOWLAND
State	ME
Zip	04448
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	89
Jurisdiction	HOWLAND ME
Township / Civil Division	HOWLAND
Census Block Group	1
Census Block	1085
Census Tract	28500

Owner

Source: Penobscot County and Howland Town records, as of October 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	791 MAIN ST, OLD TOWN, ME 04468-2034
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2025	Quit Claim Deed, Transfer · FHA Mortgage LEADERONE FINANCIAL
Oct 2, 2023	Quit Claim Deed, Transfer Quitclaim
Nov 1, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADERONE FINANCIAL
Feb 11, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANGOR SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2025 · Amount on Record
Deed Sale	Sep 11, 2025 · Amount on Record
Prior Sale	Nov 1, 2022 · Amount on Record
Deed Book / Page	17624 / 345
Record Updated	Oct 29, 2026

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOWLAND ME
Recording Date	Sep 11, 2025
Property Address	18 WILLOW ST, HOWLAND, ME 04448
Document Number	0176240345
Book / Page	17624 / 345
Instrument Date	Sep 11, 2025
Instrument	738
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	791 MAIN ST, OLD TOWN, ME 04468-2034

Mortgage

Document Number	0000000739
Date	Sep 11, 2025
Instrument	739

Lender

Name	LEADERONE FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOWLAND ME
Recording Date	Oct 2, 2023
Property Address	18 WILLOW ST, HOWLAND, ME 04448
Document Number	0169580048
Book / Page	16958 / 48
Instrument Date	Oct 2, 2023
Instrument	23662
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 WILLOW ST, HOWLAND, ME 04448

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOWLAND ME
Recording Date	Nov 1, 2022
Property Address	18 WILLOW ST, HOWLAND, ME 04448
Document Number	0166720294
Book / Page	16672 / 294
Instrument Date	Oct 31, 2022
Instrument	32245
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	67 RIVERSIDE ST, MILO, ME 04463-1220
Investor	Possibly a Property Investor

Mortgage

Document Number	0000032246
Date	Nov 1, 2022
Instrument	32246

Lender

Name	LEADERONE FINANCIAL

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOWLAND ME
Recording Date	Feb 11, 2020
Property Address	18 WILLOW ST, HOWLAND, ME 04448
Document Number	0154370243
Book / Page	15437 / 243
Instrument Date	Feb 10, 2020
Instrument	3958
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3959
Date	Feb 11, 2020
Instrument	3959

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Penobscot County and Howland Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Penobscot County
County Subdivision	Howland Town
Unified School District	School Administrative District 31 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$1,751.00 (+24.89%)	$85,410 (+27.97%) Land $14,680 Building $70,730
2024	$1,402.00 (-4.76%)	$66,740 (-) Land $11,440 Building $55,300
2023	$1,472.00 (+24.75%)	$66,740 (+38.55%) Land $11,440 Building $55,300
2022	$1,180.00	$48,170 Land $8,290 Building $39,880

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 7, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	5 (1987–2019)
Most Recent Claim	Apr 2019 · other causes

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 94% of the US · lower than 96% of Maine
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	HOWLAND WATER DEPARTMENT serves 1,025 people · EPA ID ME0090710
Water Source	Purchased groundwater from LINCOLN WATER DISTRICT
Last State Inspection	Mar 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 103 locations within half a mile, as of December 31, 2025

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

May also be available: GoNetspeed.

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