19 Cram St, Bradley, ME 04411 Property Records

Penobscot County and Bradley Town property record for 19 Cram St, Bradley, ME 04411

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft · built 1977
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,173 (2025)
Deeds & Mortgages	Nov 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:015 L:043=001`

Property Details

APN / Parcel Number

Primary APN	`M:015 L:043=001`
Alternative APNs	`BRAY M:015 L:043-001` `366`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,000 sqft
Basement Area	500 sqft
Unfinished Basement	500 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	366
Street Address	19 CRAM ST
City	BRADLEY
State	ME
Zip	04411-5120
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	43-1
Jurisdiction	BRADLEY ME
Township / Civil Division	BRADLEY
Census Block Group	1
Census Block	1026
Census Tract	8001

Owner

Source: Penobscot County and Bradley Town records · APN M:015 L:043=001

Assessment roll updated July 30, 2026 · Last verified August 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 File
Mailing Address	19 CRAM ST, BRADLEY, ME 04411-5120
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADLEY ME
Property Address	19 CRAM ST, BRADLEY, ME 04411-5120
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0157640198
Date	Nov 02, 2020
Book Page	15764/198
Instrument	35890

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Dec 01, 2045

Tax Assessment & Valuation

Source: Penobscot County and Bradley Town records · Assessment roll updated July 30, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maine
County	Penobscot County
County Subdivision	Bradley Town
Unified School District	Regional School Unit 34 (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,173.00 (+6.83%)	$184,900 (-) Land $40,100 Building $144,800
2024	$2,034.00 (+3.78%)	$184,900 (+55.64%) Land $40,100 Building $144,800
2023	$1,960.00 (+6.46%)	$118,800 (-) Land $29,900 Building $88,900	$192,280
2022	$1,841.00	$118,800 Land $29,900 Building $88,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Penobscot County (23019C), updated August 7, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 230190080011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	18 (1979–2018)
Claims Outside the SFHA	9 of 18
Most Recent Claim	Jan 2018 · river or lake flooding
Claims by Event	Severe Storms And Flooding, May 2008 · 4 claims Severe Storms & Flooding, Apr 1987 · 3 claims

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 96% of Maine
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 78 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Consolidated Communications Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	OLD TOWN WATER DISTRICT serves 7,648 people
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	8 ppb (2026) action level 15 ppb
Copper	1.4 mg/L (2025) action level 1.3 mg/L

Violations Reported to EPA

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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.