20 Krams Point Rd, Raymond, ME 04071 Property Records

Cumberland County and Gray Town property record for 20 Krams Point Rd, Raymond, ME 04071

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 990 sqft · built 1970
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$827,200 (Jul 2024)
Tax Bill	$5,746 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Jul 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`L13050000000`

Property Details

APN / Parcel Number

Primary APN	`L13050000000`
Alternative APNs	`GRAY M:024 B:313 L:050-000` `3982`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	990 sqft Living Area
Basement Area	450 sqft
Unfinished Basement	450 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	3982
Street Address	20 KRAMS POINT RD
City	RAYMOND
State	ME
Zip	04071-5540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Block	313
Legal Lot Number	50-0
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	3
Census Block	3012
Census Tract	4701

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	20 KRAMS POINT RD, RAYMOND, ME 04071-5540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · Line of Credit INFINITY FEDERAL CREDIT UNION
Jul 31, 2024	Quit Claim Deed, Transfer · ARM EMPEOPLE CREDIT UNION
Feb 19, 2020	Deed of Trust, Mortgage · Line of Credit INFINITY FCU
Oct 28, 2019	Warranty Deed, Transfer · FHA Mortgage E MORTGAGE MANAGEMENT LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2024 · Amount on Record
Deed Sale	Jul 31, 2024 · Amount on Record
Prior Sale	Oct 28, 2019 · Amount on Record
Deed Document Number	202426816
Deed Book / Page	40898 / 206
Prior Transfer Date	Jul 24, 2024
Prior Transfer Doc	0408980206
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	20 KRAMS POINT RD, RAYMOND, ME 04071-5540
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0386190026
Date	Sep 2, 2021
Book Page	38619/26
Instrument	63851

Lender

Name	INFINITY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GRAY ME
Recording Date	Jul 31, 2024
Property Address	20 KRAMS POINT RD, RAYMOND, ME 04071-5540
Document Number	0408980206
Book / Page	40898 / 206
Instrument Date	Jul 24, 2024
Instrument	26816
Transaction Type	Transfer
Record Updated	Mar 24, 2026

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 KRAMS POINT RD, RAYMOND, ME 04071-5540

Mortgage

Document Number	0000026817
Date	Jul 31, 2024
Instrument	26817

Lender

Name	EMPEOPLE CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	3.38%
Type Change Date	Jan 8, 2029
Index	1-Year CMT

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	20 KRAMS POINT RD, RAYMOND, ME 04071-5540
Document Number	0364580242
Instrument Date	Feb 19, 2020
Transaction Type	Mortgage
Record Updated	Mar 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 KRAMS POINT RD GRAY ME 04039, GRAY, ME 04039

Mortgage

Document Number	0364580242
Date	Feb 27, 2020
Book Page	036458/000242
Instrument	10642

Lender

Name	INFINITY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAY ME
Recording Date	Oct 28, 2019
Property Address	20 KRAMS POINT RD, RAYMOND, ME 04071-5540
Document Number	0361100287
Book / Page	36110 / 287
Instrument Date	Oct 18, 2019
Instrument	54469
Transaction Type	Transfer
Record Updated	Feb 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	160 MOUNTAIN VIEW RD, GRAY, ME 04039-7703

Mortgage

Document Number	0361100289
Date	Oct 28, 2019
Book Page	36110/289
Instrument	54470

Lender

Name	E MORTGAGE MANAGEMENT LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Gray Town
Unified School District	School Administrative District 15 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$5,746.00 (+12.69%)	$593,600 (+76.72%) Land $410,100 Building $183,500
2023	$5,099.00 (+8.81%)	$335,900 (-) Land $205,000 Building $130,900
2022	$4,686.00	$335,900 Land $205,000 Building $130,900

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	1 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 99.1% of the US · lower than 99.7% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 61 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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