196 Cottage Rd, Windham, ME 04062 Property Records

Cumberland County and Windham Town property record for 196 Cottage Rd, Windham, ME 04062

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 1940
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Sep 2021)
Tax Bill	$4,765 (2025)
Deeds & Mortgages	Oct 2019 Refinance Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINM M:32 B:37`

Property Details

APN / Parcel Number

Primary APN	`WINM M:32 B:37`
Alternative APNs	`032037000000` `S8068R`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,456 sqft Living Area
Gross Area	2,824 sqft
1st Floor Area	832 sqft
Basement Area	432 sqft
Unfinished Basement	432 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	S8068R
Street Address	196 COTTAGE RD
City	WINDHAM
State	ME
Zip	04062-4408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR/FR
Legal Block	37
Jurisdiction	WINDHAM ME
Township / Civil Division	WINDHAM
Census Block Group	3
Census Block	3005
Census Tract	4802

Owner

196 Cottage Rd is owned by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 SALEM ST, NEWBURYPORT, MA 01950-3076
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
Oct 29, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance TOWN & COUNTRY FCU
Sep 16, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 30, 2017	Warranty Deed, Transfer MERRIMACK MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2021 · Amount on File
Deed Sale	Sep 16, 2021 · Amount on File
Prior Sale	Jun 30, 2017 · Amount on File
Deed Document Number	202166827
Deed Book / Page	38664 / 304
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDHAM ME
Property Address	196 COTTAGE RD, WINDHAM, ME 04062-4408
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0361160163
Date	Oct 29, 2019
Book Page	36116/163
Instrument	54869

Lender

Name	TOWN & COUNTRY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2029

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDHAM ME
Recording Date	Sep 16, 2021
Property Address	196 COTTAGE RD, WINDHAM, ME 04062-4408
Document Number	0386640304
Book / Page	38664 / 304
Instrument Date	Sep 16, 2021
Instrument	66827
Transaction Type	Transfer
Record Updated	Feb 2, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	92 SEA AVE, QUINCY, MA 02169-3141

Mortgage

Document Number	0000066828
Date	Sep 16, 2021
Instrument	66828

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDHAM ME
Recording Date	Jun 30, 2017
Property Address	196 COTTAGE RD, WINDHAM, ME 04062-4408
Document Number	0341230177
Book / Page	034123 / 000177
Instrument Date	Jun 29, 2017
Instrument	30781
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 FALL BROOK ST PORTLAND ME 041034224, PORTLAND, ME 04103-4224

Mortgage

Document Number	341230178
Date	Jun 30, 2017
Book Page	034123/000178
Instrument	30782

Lender

Name	MERRIMACK MTG
Type	Mortgage Company
Address	MANCHESTER, NH 03101

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 29, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 196 Cottage Rd was $4,765, up 7% from the year before.

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

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Windham Town
Unified School District	Regional School Unit 14 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,765.00 (+6.96%)	$395,100 (+1.73%) Land $126,500 Building $268,600
2024	$4,455.00 (+7.97%)	$388,400 (+5.43%) Land $119,800 Building $268,600
2023	$4,126.00 (+12%)	$368,400 (+16.1%) Land $111,400 Building $257,000
2022	$3,684.00	$317,300 Land $88,400 Building $228,900

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

Flood

FEMA maps place 196 Cottage 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	7 in force
Nearby Flood Claims	6 (1979–2007)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal Flooding
Claims by Event	Severe Storms And Flooding, Oct 1996 · 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 196 Cottage 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	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.

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

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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