20 Harbor Rd, Naples, ME 04055 Property Records

Cumberland County and Naples Town property record for 20 Harbor Rd, Naples, ME 04055

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,008 sqft · built 1974
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on Record
Last Sale	$925,000 (Oct 2024)
Tax Bill	$4,574 (2025)
Deeds & Mortgages	Mar 2021 Refinance Oct 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NAPL M:U27 L:0015`

Property Details

APN / Parcel Number

Primary APN	`NAPL M:U27 L:0015`
Alternative APN	`2173`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	17,860 sqft (0.41 acres)

Utilities, Heating & Cooling

Heating System	Electric

Location & Zoning

Account Number	2173
Street Address	20 HARBOR RD
City	NAPLES
State	ME
Zip	04055
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	15
Jurisdiction	NAPLES ME
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1008
Census Tract	14002

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	36 SAINT LAWRENCE ST, PORTLAND, ME 04101-4316
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC
Oct 23, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage BETHPAGE FCU
Jan 3, 2017	Warranty Deed, Transfer UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2024 · Amount on Record
Deed Sale	Oct 23, 2024 · Amount on Record
Prior Sale	Jan 3, 2017
Deed Book / Page	41073 / 79
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPLES ME
Property Address	20 HARBOR RD, NAPLES, ME 04055
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0379560134
Date	Mar 22, 2021
Book Page	37956/134
Instrument	19821

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2046

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAPLES ME
Recording Date	Oct 23, 2024
Property Address	20 HARBOR RD, NAPLES, ME 04055
Document Number	0410730079
Book / Page	41073 / 79
Instrument Date	Oct 21, 2024
Instrument	39958
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount Recorded
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
Relationship	Tenants in Common
Address	36 SAINT LAWRENCE ST, PORTLAND, ME 04101-4316

Mortgage

Document Number	0000039959
Date	Oct 23, 2024
Instrument	39959

Lender

Name	BETHPAGE FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Nov 1, 2031
Max Rate At Change	2.5%
Index	1-Year CMT

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAPLES ME
Recording Date	Jan 3, 2017
Property Address	20 HARBOR RD, NAPLES, ME 04055
Document Number	0337350317
Book / Page	033735 / 000317
Instrument Date	Dec 27, 2016
Instrument	210
Transaction Type	Transfer
Record Updated	Jul 4, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7 OLD EVERGREEN RD BEDFORD NH 031104639, BEDFORD, NH 03110-4639

Mortgage

Document Number	337350321
Date	Jan 3, 2017
Book Page	033735/000321
Instrument	212

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2047

Tax Assessment & Valuation

Source: Cumberland County and Naples Town assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Naples Town
Unified School District	School Administrative District 61 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,574.00 (+3.81%)	$481,499 (-) Land $318,312 Building $163,187
2023	$4,406.00 (+10.93%)	$481,499 (-) Land $318,312 Building $163,187
2022	$3,972.00	$481,499 Land $318,312 Building $163,187

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

Flood

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 100 ft
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Maine
Wildfire Likelihood	Under 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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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