Cumberland County and Harpswell Town property record for 20 Derek Way, Harpswell, ME 04079
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,507 sqft · built 1970 |
| Lot Size | 3.24 acres (141,134 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $422,000 (Sep 2024) |
| Tax Bill | $2,581 (2025) |
| Deeds & Mortgages | Dec 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | HARP M:008 L:092 |
| Primary APN | HARP M:008 L:092 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,507 sqft Living Area |
| Gross Area | 3,650 sqft |
| 1st Floor Area | 1,000 sqft |
| Attic | Attic |
| Attic Area | 324 sqft |
| Basement Area | 1,000 sqft |
| Unfinished Basement | 662 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 141,134 sqft (3.24 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Deck Area | Deck Area |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Account Number | 447 |
|---|---|
| Street Address | 20 DEREK WAY |
| City | HARPSWELL |
| State | ME |
| Zip | 04079-3090 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Lot Number | 92 |
| Jurisdiction | HARPSWELL ME |
| Township / Civil Division | HARPSWELL |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 17101 |
20 Derek Way is owned by two individuals who bought it in September 2024.
Source: Cumberland County and Harpswell Town records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 92 VARNEY MILL RD, WINDHAM, ME 04062-5000 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2024 · Amount on File |
| Deed Sale | Sep 16, 2024 · Amount on File |
| Prior Sale | Apr 7, 2006 · Amount on File |
| Deed Document Number | 202434633 |
| Deed Book / Page | 40995 / 91 |
| Prior Transfer Date | Dec 15, 2021 |
| Prior Transfer Doc | 0390240213 |
| Record Updated | Sep 20, 2026 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | HARPSWELL ME |
| Recording Date | Dec 23, 2021 |
| Property Address | 20 DEREK WAY, HARPSWELL, ME 04079-3090 |
| Document Number | 0390240213 |
| Book / Page | 39024 / 213 |
| Instrument Date | Dec 15, 2021 |
| Instrument | 90190 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 DEREK WAY, HARPSWELL, ME 04079-3090 |
The 2025 property tax bill for 20 Derek Way was $2,581, up 4.7% from the year before.
Source: Cumberland County and Harpswell Town assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Cumberland County |
| County Subdivision | Harpswell Town |
| Unified School District | School Administrative District 75 (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $2,581.00 (+4.71%) | $387,600 (-) Land $156,800 Building $230,800 |
| 2024 | $2,465.00 (+17.21%) | $387,600 (+12.41%) Land $156,800 Building $230,800 |
| 2023 | $2,103.00 (+3.39%) | $344,800 (-) Land $156,800 Building $188,000 |
| 2022 | $2,034.00 | $344,800 Land $156,800 Building $188,000 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 20 Derek Way 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 |
|
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 risk around 20 Derek Way 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.
Source: FCC Broadband Data Collection, based on 27 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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