195 Center Rd, Gray, ME 04039 Property Records

Cumberland County and Gray Town property record for 195 Center Rd, Gray, ME 04039

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,288 sqft · built 2021
Lot Size	1.85 acres (80,586 sqft)
Owner	Individual Name on File
Last Sale	$218,800 (Jan 2021)
Tax Bill	$4,147 (2025)
Deeds & Mortgages	Jan 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`GRAY M:063 B:030 L:008-101`

Property Details

APN / Parcel Number

Primary APN	`GRAY M:063 B:030 L:008-101`
Alternative APN	`4969`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	80,586 sqft (1.85 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	4969
Street Address	195 CENTER RD
City	GRAY
State	ME
Zip	04039-5440
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	30
Legal Lot Number	8-101
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	4
Census Block	4024
Census Tract	4702

Owner

195 Center Rd is owned and occupied by an individual who bought it in January 2021.

Source: Cumberland County and Gray Town records, as of July 30, 2026

Owner of Record	Individual Name on File
Mailing Address	195 CENTER RD, GRAY, ME 04039-5440
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2021 · Amount on File
Deed Sale	Jan 28, 2021 · Amount on File
Deed Book / Page	37752 / 201
Record Updated	Sep 20, 2026

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GRAY ME
Recording Date	Jan 28, 2021
Property Address	195 CENTER RD, GRAY, ME 04039-5440
Document Number	0377520201
Book / Page	37752 / 201
Instrument Date	Jan 28, 2021
Instrument	6752
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Venture
Address	242A SAUNDERS ST, PORTLAND, ME

Mortgage

Document Number	0377520203
Date	Jan 28, 2021
Book Page	37752/203
Instrument	6753

Lender

Name	BATH SAVINGS INSTITUTION
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 195 Center Rd was $4,147, down 0.2% from the year before.

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

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Gray Town
Unified School District	School Administrative District 15 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,147.00 (-0.19%)	$428,400 (-) Land $125,100 Building $303,300
2024	$4,155.00 (+8.09%)	$428,400 (+69.19%) Land $125,100 Building $303,300
2023	$3,844.00 (+8.83%)	$253,200 (-) Land $70,000 Building $183,200
2022	$3,532.00	$253,200 Land $70,000 Building $183,200

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

Flood

FEMA maps place 195 Center Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	7 (1983–2007)
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal Flooding
Claims by Event	Severe Storms & Flooding, May 1989 · 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

Wildfire risk around 195 Center Rd is low, with 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 80% of the US · above 53% of Maine
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000