Penobscot County and Bangor City property record for 20 Elm St, Bangor, ME 04401
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,416 sqft · built 1900 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $192,000 (Jan 2007) |
| Tax Bill | $6,276 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit Jul 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | BANG M:048 L:079 |
| Primary APN | BANG M:048 L:079 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,416 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 8,712 sqft (0.2 acres) |
| Heating System | Hot Water |
|---|
| Account Number | 4137 |
|---|---|
| Street Address | 20 ELM ST |
| City | BANGOR |
| State | ME |
| Zip | 04401-5308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URD1 |
| Legal Lot Number | 79 |
| Jurisdiction | BANGOR ME |
| Township / Civil Division | BANGOR |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 200 |
20 Elm St is owned and occupied by two individuals who bought it in January 2007.
Source: Penobscot County and Bangor City records, as of July 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 ELM ST, BANGOR, ME 04401-5308 |
| 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.
| Date | Document |
|---|---|
| May 26, 2022 | Deed of Trust, Mortgage · Line of Credit KEY BANK NA |
| Jul 12, 2018 | Deed of Trust, Mortgage KEYBANK USA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 18, 2007 · Amount on File |
| Deed Sale | Jan 18, 2007 · Amount on File |
| Deed Book / Page | 10803 / 38 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANGOR ME |
| Property Address | 20 ELM ST, BANGOR, ME 04401-5308 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0164940167 |
|---|---|
| Date | May 26, 2022 |
| Book Page | 16494/167 |
| Instrument | 14341 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2042 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANGOR ME |
| Property Address | 20 ELM ST, BANGOR, ME 04401-5308 |
| Document Number | 0148810128 |
| Instrument Date | Jul 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2018 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 22 ELM ST BANGOR ME 04401, BANGOR, ME 04401 |
| Document Number | 0148810128 |
|---|---|
| Date | Jul 23, 2018 |
| Book Page | 014881/000128 |
| Instrument | 20623 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jul 22, 2033 |
The 2025 property tax bill for 20 Elm St was $6,276, up 2.8% from the year before.
Source: Penobscot County and Bangor City assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Penobscot County |
| Municipality | Bangor City |
| Unified School District | Bangor (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,276.00 (+2.77%) | $354,600 (+7.72%) Land $32,200 Building $322,400 | |
| 2024 | $6,107.00 (+10.19%) | $329,200 (+13.75%) Land $30,800 Building $298,400 | $296,685 |
| 2023 | $5,542.00 (+7.47%) | $289,400 (+14.48%) Land $29,600 Building $259,800 | |
| 2022 | $5,157.00 | $252,800 Land $29,600 Building $223,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Elm St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 7, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 20 Elm St is low, with less than 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 96% of the US · lower than 97.9% of Maine |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 813 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber | 2,000 / 2,000 |
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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