20 Little Pond Rd, Gray, ME 04039 Property Records

Cumberland County and Gray Town property record for 20 Little Pond Rd, Gray, ME 04039

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,346 sqft · built 1982
Lot Size	14.7 acres (642,074 sqft)
Owner	2 Individual Names on File
Last Sale	$630,000 (Jul 2022)
Tax Bill	$5,473 (2025)
Deeds & Mortgages	Jun 2019 Refinance Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GRAY M:007 B:004 L:021-000`

Property Details

APN / Parcel Number

Primary APN	`GRAY M:007 B:004 L:021-000`
Alternative APNs	`004021000000` `95`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,346 sqft Living Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Contemporary
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	642,074 sqft (14.7 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	95
Street Address	20 LITTLE POND RD
City	GRAY
State	ME
Zip	04039-7746
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BR
Legal Block	4
Legal Lot Number	21-0
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	1
Census Block	1003
Census Tract	4701

Owner

20 Little Pond Rd is owned and occupied by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 LITTLE POND RD, GRAY, ME 04039-7746
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE
Jul 5, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage MASCOMA BANK
Jun 28, 2018	Intrafamily Transfer, Transfer HARBORONE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2022 · Amount on File
Deed Sale	Jul 5, 2022 · Amount on File
Prior Sale	Jun 28, 2018 · Amount on File
Deed Book / Page	39551 / 193
Transfer Doc	0349500147
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	20 LITTLE POND RD, GRAY, ME 04039-7746
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0356950004
Date	Jun 5, 2019
Book Page	35695/4
Instrument	23344

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAY ME
Recording Date	Jul 5, 2022
Property Address	20 LITTLE POND RD, GRAY, ME 04039-7746
Document Number	0395510193
Book / Page	39551 / 193
Instrument Date	Jul 5, 2022
Instrument	34378
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Address	1830 COOPER AVE, LANSING, MI 48910-2461

Mortgage

Document Number	0000034379
Date	Jul 5, 2022
Instrument	34379

Lender

Name	MASCOMA BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GRAY ME
Recording Date	Jun 28, 2018
Property Address	20 LITTLE POND RD, GRAY, ME 04039-7746
Document Number	0349500143
Book / Page	34950 / 0143
Instrument	000000030502
Transaction Type	Transfer
Record Updated	Feb 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030503
Date	Jun 28, 2018
Instrument	000000030503

Lender

Name	HARBORONE MORTGAGE

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 20 Little Pond Rd was $5,473, down 0.2% from the year before.

Source: Cumberland County and Gray Town assessment roll, as of July 30, 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	$5,473.00 (-0.2%)	$565,400 (-) Land $190,500 Building $374,900
2024	$5,484.00 (+2.08%)	$565,400 (+59.76%) Land $190,500 Building $374,900
2023	$5,372.00 (+8.81%)	$353,900 (-) Land $88,900 Building $265,000
2022	$4,937.00	$353,900 Land $88,900 Building $265,000

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

Flood

FEMA maps place 20 Little Pond Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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	3 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Jan 1978 · tidal / storm surge

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 Little Pond Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025

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

Cell Coverage

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

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