20 Karen Ave, Windham, ME 04062 Property Records

Cumberland County and Windham Town property record for 20 Karen Ave, Windham, ME 04062

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,139 sqft · built 1978
Lot Size	4.89 acres (213,357 sqft)
Owner	2 Trust Names on File
Last Sale	$490,000 (Apr 2024)
Tax Bill	$5,621 (2025)
Deeds & Mortgages	Apr 2026 Transfer Apr 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08B017023000`

Property Details

APN / Parcel Number

Primary APN	`08B017023000`
Alternative APNs	`WINM M:8B B:17 L:23` `S6662R` `C7117R`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,139 sqft Living Area
Gross Area	3,286 sqft
1st Floor Area	1,139 sqft
Basement Area	1,139 sqft
Unfinished Basement	1,139 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	213,357 sqft (4.89 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	C7117R
Street Address	20 KAREN AVE
City	WINDHAM
State	ME
Zip	04062-4706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Subdivision	PLEASANT ACRES SEC 3
Legal Block	17
Legal Lot Number	23
Jurisdiction	WINDHAM ME
Township / Civil Division	WINDHAM
Census Block Group	2
Census Block	2004
Census Tract	4803

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Cumberland and Oxford Canal listed 1974 · 1 contributing resources · NRIS 74000317

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

20 Karen Ave is owner-occupied and held in a trust since March 2026.

Source: Cumberland County and Windham Town records, as of July 30, 2026

Owner of Record	2 Trust Names on File
Mailing Address	20 KAREN AVE, WINDHAM, ME 04062-4706
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Apr 9, 2026	Quit Claim Deed, Transfer Quitclaim
Apr 26, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO
Nov 7, 2023	Deed of Trust, Mortgage · Line of Credit EMPEOPLE CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2024 · Amount on File
Deed Sale	Apr 26, 2024 · Amount on File
Prior Sale	Jun 23, 2015 · Amount on File
Deed Book / Page	40718 / 23
Last Transfer Date	Mar 6, 2026
Transfer Doc	0421700119
Record Updated	Oct 29, 2026

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINDHAM ME
Recording Date	Apr 9, 2026
Property Address	20 KAREN AVE, WINDHAM, ME 04062-4706
Document Number	0421700119
Book / Page	42170 / 119
Instrument Date	Mar 6, 2026
Instrument	202613433
Transaction Type	Transfer
Record Updated	Jul 12, 2026

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINDHAM ME
Recording Date	Apr 26, 2024
Property Address	20 KAREN AVE, WINDHAM, ME 04062-4706
Document Number	0407180023
Book / Page	40718 / 23
Instrument Date	Apr 26, 2024
Instrument	13437
Transaction Type	Transfer
Record Updated	May 13, 2024

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
Relationship	Joint Tenants with Right of Survivorship
Address	438 ROBY RD, SOUTH SUTTON, NH 03273-8811

Mortgage

Document Number	0000013438
Date	Apr 26, 2024
Instrument	13438

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDHAM ME
Property Address	20 KAREN AVE, WINDHAM, ME 04062-4706
Transaction Type	Mortgage
Record Updated	Nov 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0404650151
Date	Nov 7, 2023
Book Page	40465/151
Instrument	40653

Lender

Name	EMPEOPLE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 20 Karen Ave was $5,621, up 5.1% from the year before.

Source: Cumberland County and Windham Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Windham Town
Unified School District	Regional School Unit 14 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$5,621.00 (+5.14%)	$466,100 (-) Land $193,200 Building $272,900
2024	$5,346.00 (+8.15%)	$466,100 (+5.62%) Land $193,200 Building $272,900
2023	$4,943.00 (+15.38%)	$441,300 (+19.59%) Land $171,600 Building $269,700
2022	$4,284.00	$369,000 Land $149,100 Building $219,900

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

Flood

FEMA maps place 20 Karen Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1999.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1999)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 1999 · Hurricane Floyd Major Disaster Declarations

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 Karen Ave 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	PORTLAND WATER DISTRICT-GREATER serves 135,068 people · EPA ID ME0091300
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	2 ppb (2024–2026) action level 15 ppb

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Fidium Fiber.

Cell Coverage

5G and 4G LTE (outdoors only)

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