185 Long Point Rd, Harpswell, ME 04079 Property Records

Cumberland County and Harpswell Town property record for 185 Long Point Rd, Harpswell, ME 04079

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 4,535 sqft · built 1989
Lot Size	3.66 acres (159,430 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,294 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Aug 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`HARP M:039 L:048`

Property Details

APN / Parcel Number

Primary APN	`HARP M:039 L:048`
Alternative APN	`3012`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	4,535 sqft Living Area
Gross Area	10,390 sqft
1st Floor Area	1,500 sqft
Attic	Attic
Attic Area	1,500 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	159,430 sqft (3.66 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3012
Street Address	185 LONG POINT RD
City	HARPSWELL
State	ME
Zip	04079-3905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CF/INT
Legal Lot Number	48
Jurisdiction	HARPSWELL ME
Township / Civil Division	HARPSWELL
Census Block Group	3
Census Block	3009
Census Tract	17102

Owner

Source: Cumberland County and Harpswell Town records, as of July 30, 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 File
Mailing Address	185 LONG POINT RD, HARPSWELL, ME 04079-3905
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · Line of Credit BANGOR SAVINGS BANK
Aug 2, 2022	Warranty Deed, Transfer
Feb 11, 2021	Deed, Transfer
Jan 8, 2021	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2022
Deed Sale	Aug 2, 2022
Prior Sale	Jan 8, 2021
Deed Document Number	202239684
Deed Book / Page	39621 / 290
Prior Transfer Date	Jan 6, 2021
Prior Transfer Doc	0378060263
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	185 LONG POINT RD, HARPSWELL, ME 04079-3905
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0418590135
Date	Nov 10, 2025
Book Page	41859/135
Instrument	46786

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARPSWELL ME
Recording Date	Aug 2, 2022
Property Address	185 LONG POINT RD, HARPSWELL, ME 04079-3905
Document Number	0396210290
Book / Page	39621 / 290
Instrument Date	Aug 1, 2022
Instrument	39684
Transaction Type	Transfer
Record Updated	Nov 10, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	59 HUDSON RD, BANGOR, ME 04401-2010

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HARPSWELL ME
Recording Date	Feb 11, 2021
Property Address	185 LONG POINT RD, HARPSWELL, ME 04079-3905
Document Number	0378060263
Book / Page	37806 / 263
Instrument Date	Jan 6, 2021
Instrument	10251
Transaction Type	Transfer
Record Updated	May 1, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 LONG POINT RD, HARPSWELL, ME 04079-3905

January 2021: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	HARPSWELL ME
Recording Date	Jan 8, 2021
Property Address	185 LONG POINT RD, HARPSWELL, ME 04079-3905
Document Number	0376710232
Book / Page	37671 / 232
Instrument Date	Dec 30, 2020
Instrument	1736
Transaction Type	Transfer
Record Updated	May 1, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 LONG POINT RD, HARPSWELL, ME 04079-3905

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Harpswell Town
Unified School District	School Administrative District 75 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$8,294.00 (+4.71%)	$1,245,400 (-) Land $316,400 Building $929,000
2024	$7,921.00 (+5.85%)	$1,245,400 (+1.52%) Land $316,400 Building $929,000
2023	$7,483.00 (+3.47%)	$1,226,800 (+0.09%) Land $316,400 Building $910,400
2022	$7,232.00	$1,225,700 Land $316,400 Building $909,300

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	2 (2007)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal Flooding
Claims by Event	Severe Storms And Inland And Coastal Flooding, Apr 2007 · 2 claims

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	None beyond ember reach

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 13 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

Cell Coverage

5G and 4G LTE (outdoors only)

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