Cumberland County and Freeport Town property record for 186 Lower Main St, Freeport, ME 04032
| Property Type | Bank, Financial Building |
|---|---|
| Details | 8,427 sqft · built 2006 |
| Lot Size | 0.96 acres (41,818 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $24,143 (2025) |
| Deeds & Mortgages | Aug 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 008002000000 |
| Primary APN | 008002000000 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 8,427 sqft Total Area |
| Gross Area | 14,168 sqft |
| 1st Floor Area | 4,496 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Wood Siding |
| Construction Type | Steel Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 41,818 sqft (0.96 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 456 |
|---|---|
| Street Address | 186 LOWER MAIN ST |
| City | FREEPORT |
| State | ME |
| Zip | 04032-1001 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Bank, Financial Building |
| Local Zoning Code | CM03 |
| Legal Block | 2 |
| Jurisdiction | FREEPORT ME |
| Township / Civil Division | FREEPORT |
| Census Block Group | 5 |
| Census Block | 5007 |
| Census Tract | 4502 |
Source: Cumberland County and Freeport 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 Company Names on Record |
|---|---|
| Mailing Address | 186 LOWER MAIN ST, FREEPORT, ME 04032-1001 |
| Owner Type | Company |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2015 |
| Deed Sale | Oct 6, 2015 |
| Deed Book / Page | 32644 / 30 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREEPORT ME |
| Property Address | 186 LOWER MAIN ST, FREEPORT, ME 04032-1001 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0385280146 |
|---|---|
| Date | Aug 10, 2021 |
| Book Page | 38528/146 |
| Instrument | 57405 |
| Name | MIDCOAST FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Cumberland County and Freeport Town assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Cumberland County |
| County Subdivision | Freeport Town |
| Unified School District | Regional School Unit 05 (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $24,143.00 (+4.2%) | $1,743,200 (+0.44%) Land $388,800 Building $1,354,400 |
| 2024 | $23,170.00 (-2.91%) | $1,735,600 (-) Land $381,200 Building $1,354,400 |
| 2023 | $23,865.00 (+5.22%) | $1,735,600 (+4.45%) Land $381,200 Building $1,354,400 |
| 2022 | $22,681.00 | $1,661,600 Land $508,300 Building $1,153,300 |
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 |
| 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.
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 | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MAINE WATER COMPANY FREEPORT DIVISION private · serves 2,700 people · EPA ID ME0090580 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Fidium Fiber.
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