190 Central St, Westbrook, ME 04092 Property Records

Cumberland County and Westbrook City property record for 190 Central St, Westbrook, ME 04092

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 840 sqft · built 1940
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$144,300 (Apr 2016)
Tax Bill	$2,695 (2023)
Deeds & Mortgages	Dec 2023 Mortgage Mar 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`WSBR M:025 L:044`

Property Details

APN / Parcel Number

Primary APN	`WSBR M:025 L:044`
Alternative APNs	`M:025 B:044` `922`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	840 sqft Living Area
Gross Area	1,710 sqft
1st Floor Area	840 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Ranch
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	190 CENTRAL ST
City	WESTBROOK
State	ME
Zip	04092-2702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	11
Legal Lot Number	44
Jurisdiction	WESTBROOK ME
Township / Civil Division	WESTBROOK
Census Block Group	2
Census Block	2012
Census Tract	2902

Owner

190 Central St is owned and occupied by an individual who bought it in April 2016.

Source: Cumberland County and Westbrook City records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	190 CENTRAL ST, WESTBROOK, ME 04092-2702
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) BATH SAVINGS INSTITUTION
Mar 4, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BATH SAVINGS INSTITUTION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2016 · Amount on File
Deed Sale	Apr 22, 2016 · Amount on File
Prior Sale	Nov 24, 2008 · Amount on File
Deed Document Number	201617804
Deed Book / Page	33059 / 70
Transfer Doc	0330590070
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTBROOK ME
Property Address	190 CENTRAL ST, WESTBROOK, ME 04092-2702
Transaction Type	Mortgage
Record Updated	Jan 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0405230074
Date	Dec 13, 2023
Book Page	40523/74
Instrument	44939

Lender

Name	BATH SAVINGS INSTITUTION
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2039

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTBROOK ME
Property Address	190 CENTRAL ST, WESTBROOK, ME 04092-2702
Transaction Type	Mortgage
Record Updated	Mar 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0392270274
Date	Mar 4, 2022
Book Page	39227/274
Instrument	12190

Lender

Name	BATH SAVINGS INSTITUTION
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

Source: Cumberland County and Westbrook City assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
Municipality	Westbrook City
Unified School District	Westbrook (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2023	$2,695.00 (+10.54%)	$161,600 (+19.97%) Land $78,200 Building $83,400
2022	$2,438.00	$134,700 Land $65,200 Building $69,500

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

Flood

FEMA maps place 190 Central St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 3, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 190 Central St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 98.5% of Maine
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PORTLAND WATER DISTRICT-GREATER serves 135,068 people · EPA ID ME0091300
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	2 ppb (2024–2026) action level 15 ppb

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 471 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Central St

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