198 Neils Point Rd, Harpswell, ME 04079 Property Records

Cumberland County and Harpswell Town property record for 198 Neils Point Rd, Harpswell, ME 04079

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,632 sqft · built 1975
Lot Size	2.4 acres (104,544 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Jul 2013)
Tax Bill	$4,885 (2025)
Deeds & Mortgages	Feb 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`HARP M:007 L:007`

Property Details

APN / Parcel Number

Primary APN	`HARP M:007 L:007`
Alternative APN	`312`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,632 sqft Living Area
Gross Area	6,675 sqft
1st Floor Area	1,445 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Shed Roof
Roof Material	Asphalt
Lot Area	104,544 sqft (2.4 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	312
Street Address	198 NEILS POINT RD
City	HARPSWELL
State	ME
Zip	04079-2938
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CF
Legal Lot Number	7
Jurisdiction	HARPSWELL ME
Township / Civil Division	HARPSWELL
Census Block Group	2
Census Block	2010
Census Tract	17101

Owner

198 Neils Point Rd is owned and occupied by two individuals who bought it in July 2013.

Source: Cumberland County and Harpswell Town records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	198 NEILS POINT RD, HARPSWELL, ME 04079-2938
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	Jul 15, 2013 · Amount on File
Deed Sale	Jul 15, 2013 · Amount on File
Deed Document Number	201341193
Deed Book / Page	30831 / 290
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	198 NEILS POINT RD, HARPSWELL, ME 04079-2938
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0378130072
Date	Feb 17, 2021
Book Page	37813/72
Instrument	10775

Lender

Name	BATH SAVINGS INSTITUTION
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 198 Neils Point Rd was $4,885, up 4.7% from the year before.

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	$4,885.00 (+4.72%)	$733,500 (-) Land $427,600 Building $305,900
2024	$4,665.00 (+4.27%)	$733,500 (-) Land $427,600 Building $305,900
2023	$4,474.00 (+3.37%)	$733,500 (-) Land $427,600 Building $305,900
2022	$4,328.00	$733,500 Land $427,600 Building $305,900

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

Flood

FEMA maps place 198 Neils Point 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
Flood Insurance Cost	Premium on File 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

Wildfire risk around 198 Neils Point 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 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
T-Mobile Fixed Wireless	100 / 20