197 Howard St, Bangor, ME 04401 Property Records

Penobscot County and Bangor City property record for 197 Howard St, Bangor, ME 04401

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,536 sqft · built 1998
Lot Size	1.13 acres (49,223 sqft)
Owner	2 Individual Names on File
Last Sale	$281,300 (Jun 2018)
Tax Bill	$9,441 (2025)
Deeds & Mortgages	Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`BANG M:057 L:078`

Property Details

APN / Parcel Number

Primary APN	`BANG M:057 L:078`
Alternative APN	`10622`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,536 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	49,223 sqft (1.13 acres)

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	10622
Street Address	197 HOWARD ST
City	BANGOR
State	ME
Zip	04401-4129
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URD1
Legal Lot Number	78
Jurisdiction	BANGOR ME
Township / Civil Division	BANGOR
Census Block Group	2
Census Block	2001
Census Tract	300

Owner

197 Howard St is owned and occupied by two individuals who bought it in June 2018.

Source: Penobscot County and Bangor City records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	197 HOWARD ST, BANGOR, ME 04401-4129
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	2 Names on Deed
Last Sale	Jun 18, 2018 · Amount on File
Deed Sale	Jun 18, 2018 · Amount on File
Prior Sale	May 30, 2014
Deed Document Number	201816087
Deed Book / Page	14842 / 151
Record Updated	Oct 29, 2026

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANGOR ME
Recording Date	Jun 18, 2018
Property Address	197 HOWARD ST, BANGOR, ME 04401-4129
Document Number	0148420151
Book / Page	14842 / 0151
Instrument	000000016087
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016088
Date	Jun 18, 2018
Instrument	000000016088

Lender

Name	BANGOR SAVINGS BANK

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jun 18, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 197 Howard St was $9,441, up 2.9% from the year before.

Source: Penobscot County and Bangor City assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Penobscot County
Municipality	Bangor City
Unified School District	Bangor (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,441.00 (+2.92%)	$533,400 (+7.87%) Land $58,800 Building $474,600
2024	$9,173.00 (+5.53%)	$494,500 (+8.94%) Land $55,800 Building $438,700	$444,695
2023	$8,692.00 (+6.73%)	$453,900 (+13.7%) Land $55,800 Building $398,100
2022	$8,144.00	$399,200 Land $55,800 Building $343,400

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

Flood

FEMA maps place 197 Howard St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 7, 2024 · 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
Nearby Flood Policies	2 in force

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 197 Howard St 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	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	BANGOR WATER DISTRICT serves 27,298 people · EPA ID ME0090110
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 311 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