196 Ash Point Rd, Harpswell, ME 04079 Property Records

Cumberland County and Harpswell Town property record for 196 Ash Point Rd, Harpswell, ME 04079

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,623 sqft · built 1794
Lot Size	2.4 acres (104,544 sqft)
Owner	2 Individual Names on Record
Last Sale	$187,500 (Jul 2020)
Tax Bill	$2,658 (2025)
Deeds & Mortgages	Sep 2025 Transfer Jun 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`HARP M:017 L:067`

Property Details

APN / Parcel Number

Primary APN	`HARP M:017 L:067`
Alternative APN	`1422`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,623 sqft Living Area
Gross Area	3,471 sqft
1st Floor Area	1,263 sqft
Basement Area	990 sqft
Unfinished Basement	990 sqft

Exterior

Year Built	Built 1794
Effective Year Built	Effective 1794
Architectural Style	Historical
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	104,544 sqft (2.4 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1422
Street Address	196 ASH POINT RD
City	HARPSWELL
State	ME
Zip	04079-3433
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IN
Legal Lot Number	67
Jurisdiction	HARPSWELL ME
Township / Civil Division	HARPSWELL
Census Block Group	2
Census Block	2000
Census Tract	17101

Owner

Source: Cumberland County and Harpswell Town records, as of May 21, 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 Record
Mailing Address	196 ASH POINT RD, HARPSWELL, ME 04079-3433
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2025	Quit Claim Deed, Transfer Quitclaim
Jun 17, 2019	Deed of Trust, Mortgage · Balloon Mortgage MIDCOAST FEDERAL CREDIT UNION
Jul 16, 2020	Deed, Transfer · Stand-Alone First Mortgage SACO & BIDDEFORD SAVINGS
Jun 12, 2019	Deed of Trust, Mortgage · Line of Credit MIDCOAST FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2020 · Amount on Record
Deed Sale	Jul 16, 2020 · Amount on Record
Prior Sale	Aug 2, 2019
Deed Document Number	202040049
Deed Book / Page	36936 / 322
Last Transfer Date	Sep 18, 2025
Transfer Doc	0417340198
Record Updated	Sep 20, 2026

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARPSWELL ME
Recording Date	Sep 19, 2025
Property Address	196 ASH POINT RD, HARPSWELL, ME 04079-3433
Document Number	0417340198
Book / Page	41734 / 198
Instrument Date	Sep 18, 2025
Instrument	38225
Transaction Type	Transfer
Record Updated	Oct 8, 2025

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	196 ASH POINT RD, HARPSWELL, ME 04079-3433

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	196 ASH POINT RD, HARPSWELL, ME 04079-3433
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0357200186
Date	Jun 17, 2019
Book Page	35720/186
Instrument	25624

Lender

Name	MIDCOAST FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	HARPSWELL ME
Recording Date	Jul 16, 2020
Property Address	196 ASH POINT RD, HARPSWELL, ME 04079-3433
Document Number	0369360322
Book / Page	36936 / 322
Instrument Date	Jul 9, 2020
Instrument	40049
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 MAPLE ST, PAXTON, MA 01612-1133

Mortgage

Document Number	40050
Date	Jul 16, 2020
Instrument	40050

Lender

Name	SACO & BIDDEFORD SAVINGS
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	196 ASH POINT RD, HARPSWELL, ME 04079-3433
Document Number	0367070285
Instrument Date	Jun 12, 2019
Transaction Type	Mortgage
Record Updated	Jun 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 ASH POINT RD HARPSWELL ME 040793433, HARPSWELL, ME 04079-3433

Mortgage

Document Number	0367070285
Date	May 18, 2020
Book Page	036707/000285
Instrument	25631

Lender

Name	MIDCOAST FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cumberland County and Harpswell Town assessment roll, as of May 21, 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	$2,658.00 (+19.62%)	$399,100 (+14.22%) Land $115,300 Building $283,800
2024	$2,222.00 (+4.27%)	$349,400 (-) Land $115,300 Building $234,100
2023	$2,131.00 (+3.4%)	$349,400 (-) Land $115,300 Building $234,100
2022	$2,061.00	$349,400 Land $115,300 Building $234,100

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 52 policies
Nearby Flood Policies	52 in force
Nearby Flood Claims	12 (1978–2024)
Claims Outside the SFHA	3 of 12
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jan 2024 · 3 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	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 68 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

May also be available: Verizon.

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