20 Lotts Dr, Windham, ME 04062 Property Records

Cumberland County and Windham Town property record for 20 Lotts Dr, Windham, ME 04062

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,755 sqft · built 1965
Lot Size	1.99 acres (87,033 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,847 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINM M:46 B:3`

Property Details

APN / Parcel Number

Primary APN	`WINM M:46 B:3`
Alternative APNs	`046003000000` `W3856R`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,755 sqft Living Area
Gross Area	3,816 sqft
1st Floor Area	1,170 sqft
Attic	Attic
Attic Area	1,170 sqft
Basement Area	686 sqft
Unfinished Basement	227 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,033 sqft (1.99 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	W3856R
Street Address	20 LOTTS DR
City	WINDHAM
State	ME
Zip	04062-4887
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WC
Legal Block	3
Jurisdiction	WINDHAM ME
Township / Civil Division	WINDHAM
Census Block Group	1
Census Block	1014
Census Tract	4802

Owner

20 Lotts Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 LOTTS DR, WINDHAM, ME 04062-4887
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
Sep 28, 2026	Deed of Trust, Mortgage · Line of Credit EVERGREEN CREDIT UNION
Jul 16, 2018	Deed of Trust, Mortgage TOWN & COUNTRY FCU
Jun 8, 2018	Deed of Trust, Mortgage TOWN & CNTRY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDHAM ME
Recording Date	Sep 28, 2026
Property Address	20 LOTTS DR, WINDHAM, ME 04062-4887
Document Number	0000042833
Book / Page	42573 / 282
Instrument Date	Sep 18, 2026
Instrument	202642833
Transaction Type	Mortgage
Record Updated	Oct 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 LOTTS DR, WINDHAM, ME 04062-4887

Mortgage

Document Number	0000042833,
Date	Sep 28, 2026
Book Page	42573/282
Instrument	202642833

Lender

Name	EVERGREEN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDHAM ME
Property Address	20 LOTTS DR, WINDHAM, ME 04062-4887
Transaction Type	Mortgage
Record Updated	May 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0349890199
Date	Jul 16, 2018
Book Page	34989/0199
Instrument	000000033586

Lender

Name	TOWN & COUNTRY FCU

Agreement

Amount	Amount on Record

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINDHAM ME
Property Address	20 LOTTS DR, WINDHAM, ME 04062-4887
Document Number	0349510021
Instrument Date	Jun 8, 2018
Transaction Type	Mortgage
Record Updated	Jul 23, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 LOTTS DR WINDHAM ME 040624887, WINDHAM, ME 04062-4887

Mortgage

Document Number	0349510021
Date	Jun 28, 2018
Book Page	034951/000021
Instrument	30541

Lender

Name	TOWN & CNTRY FCU
Address	SOUTH PORTLAND, ME 04116-9420

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jun 27, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 20 Lotts Dr was $4,847, 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	$4,847.00 (+5.14%)	$401,900 (-) Land $138,300 Building $263,600
2024	$4,610.00 (+4.46%)	$401,900 (+2.01%) Land $138,300 Building $263,600
2023	$4,413.00 (+12.55%)	$394,000 (+16.67%) Land $141,700 Building $252,300
2022	$3,921.00	$337,700 Land $113,000 Building $224,700

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

Flood

FEMA maps place 20 Lotts Dr in Zone X, an area of minimal flood risk.

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

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 Lotts Dr 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	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.

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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Fidium Fiber.

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