20 Cunningham Ln, Milford, ME 04461 Property Records

Penobscot County and Milford Town property record for 20 Cunningham Ln, Milford, ME 04461

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,856 sqft · built 1990
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on File
Last Sale	$312,800 (Aug 2022)
Tax Bill	$4,934 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MILD M:024 B:119`

Property Details

APN / Parcel Number

Primary APN	`MILD M:024 B:119`
Alternative APN	`23`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,856 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	16,553 sqft (0.38 acres)

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	23
Street Address	20 CUNNINGHAM LN
City	MILFORD
State	ME
Zip	04461-3316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	11 VIL
Legal Block	119
Jurisdiction	MILFORD ME
Township / Civil Division	MILFORD
Census Block Group	3
Census Block	3047
Census Tract	8001

Owner

20 Cunningham Ln is owned and occupied by two individuals who bought it in August 2022.

Source: Penobscot County and Milford Town records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 CUNNINGHAM LN, MILFORD, ME 04461-3316
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

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Balloon Mortgage CAMDEN NATIONAL BANK
Aug 22, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage BANGOR SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2022 · Amount on File
Deed Sale	Aug 22, 2022 · Amount on File
Deed Document Number	202224316
Deed Book / Page	16594 / 114
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD ME
Recording Date	Jul 29, 2026
Property Address	20 CUNNINGHAM LN, MILFORD, ME 04461-3316
Document Number	0000020333
Book / Page	17959 / 149
Instrument Date	Jul 21, 2026
Instrument	202620333
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CUNNINGHAM LN, MILFORD, ME 04461-3316

Mortgage

Document Number	0000020333,
Date	Jul 29, 2026
Book Page	17959/149
Instrument	202620333

Lender

Name	CAMDEN NATIONAL BANK

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILFORD ME
Recording Date	Aug 22, 2022
Property Address	20 CUNNINGHAM LN, MILFORD, ME 04461-3316
Document Number	0165940114
Book / Page	16594 / 114
Instrument Date	Aug 19, 2022
Instrument	24316
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 NORTH ST, DOVER FOXCROFT, ME 04426-1014

Mortgage

Document Number	0000024317
Date	Aug 22, 2022
Instrument	24317

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 20 Cunningham Ln was $4,934, up 11.9% from the year before.

Source: Penobscot County and Milford Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Penobscot County
County Subdivision	Milford Town
Unified School District	Milford (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,934.00 (+11.86%)	$200,500 (-) Land $28,200 Building $172,300
2024	$4,411.00	$200,500 Land $28,200 Building $172,300
2023			$354,350
2022	$3,609.00	$200,500 Land $28,200 Building $172,300

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

Flood

FEMA maps place 20 Cunningham Ln in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	26 (1979–2008)
Claims Outside the SFHA	4 of 26
Most Recent Claim	May 2008 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2008 · 6 claims Severe Storms & Flooding, Apr 1987 · 4 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 20 Cunningham Ln 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OLD TOWN WATER DISTRICT serves 7,648 people · EPA ID ME0091200
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	8 ppb (2026) action level 15 ppb
Copper	1.4 mg/L (2025) action level 1.3 mg/L

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 198 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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