20 Merganser Way, Freeport, ME 04032 Property Records

Cumberland County and Freeport Town property record for 20 Merganser Way, Freeport, ME 04032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,907 sqft · built 2019
Lot Size	0.61 acres (26,572 sqft)
Owner	2 Trust Names on File
Last Sale	$2,195,000 (Aug 2023)
Tax Bill	$17,927 (2025)
Deeds & Mortgages	Aug 2023 Sale Jan 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`5A 017000000`

Property Details

APN / Parcel Number

Primary APN	`5A 017000000`
Alternative APNs	`FPRT M:5A B:17 L:0 U:0` `20252615` `3453`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,907 sqft Living Area
Gross Area	5,708 sqft
1st Floor Area	1,036 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,572 sqft (0.61 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Heating Fuel	Gas

Location & Zoning

Account Number	3453
Street Address	20 MERGANSER WAY
City	FREEPORT
State	ME
Zip	04032-6365
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1175
Legal Block	17
Jurisdiction	FREEPORT ME
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1006
Census Tract	4502

Owner

20 Merganser Way is held in a trust since August 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	29 ROBINHOOD RD, NASHUA, NH 03062-3146
Owner Type	Company
Vesting	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
Aug 18, 2023	Warranty Deed, Transfer
Jan 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOW VA RATES
May 1, 2019	Deed of Trust, Mortgage · VA Mortgage CMG MORTGAGE INC
Feb 8, 2020	Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC
Jul 13, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2023 · Amount on File
Deed Sale	Aug 18, 2023 · Amount on File
Deed Document Number	202328718
Deed Book / Page	40310 / 45
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREEPORT ME
Recording Date	Aug 18, 2023
Property Address	20 MERGANSER WAY, FREEPORT, ME 04032-6365
Document Number	0403100045
Book / Page	40310 / 45
Instrument Date	Aug 17, 2023
Instrument	28718
Transaction Type	Transfer
Record Updated	Sep 4, 2023

Transaction

Amount	Amount 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
Address	29 ROBINSON RD, NASHUA, NH 03060-5844

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEPORT ME
Property Address	20 MERGANSER WAY, FREEPORT, ME 04032-6365
Transaction Type	Mortgage
Record Updated	Feb 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0377240147
Date	Jan 22, 2021
Book Page	37724/147
Instrument	4909

Lender

Name	LOW VA RATES

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEPORT ME
Property Address	20 MERGANSER WAY, FREEPORT, ME 04032-6365
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0356150049
Date	May 1, 2019
Book Page	35615/49
Instrument	17816

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREEPORT ME
Property Address	20 MERGANSER WAY, FREEPORT, ME 04032-6365
Document Number	0364320131
Instrument Date	Feb 8, 2020
Transaction Type	Mortgage
Record Updated	Feb 28, 2020
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20 MERGANSER WAY FREEPORT ME 040326365, FREEPORT, ME 04032-6365

Mortgage

Document Number	0364320131
Date	Feb 18, 2020
Book Page	036432/000131
Instrument	8710

Lender

Name	LOW VA RATES LLC
Address	DRAPER, UT 84020

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 17, 2050

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREEPORT ME
Recording Date	Jul 13, 2017
Property Address	20 MERGANSER WAY, FREEPORT, ME 04032-6365
Document Number	0341540175
Book / Page	034154 / 000175
Instrument Date	Jun 23, 2017
Instrument	33053
Transaction Type	Transfer
Record Updated	Aug 29, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	124 MERE POINT RD BRUNSWICK ME 040117708, BRUNSWICK, ME 04011-7708

Tax Assessment & Valuation

The 2025 property tax bill for 20 Merganser Way was $17,927, up 6.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Freeport Town
Unified School District	Regional School Unit 05 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$17,927.00 (+6.56%)	$1,294,400 (+2.71%) Land $717,500 Building $576,900
2024	$16,824.00 (+16.23%)	$1,260,200 (+19.71%) Land $683,300 Building $576,900
2023	$14,475.00 (+4.93%)	$1,052,700 (+4.17%) Land $559,000 Building $493,700
2022	$13,795.00	$1,010,600 Land $499,200 Building $511,400

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

FEMA maps place 20 Merganser Way in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	2 (2022–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2024 · Severe Storms And Flooding

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 Merganser Way is low, with less than 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 98% of the US · lower than 99% 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Fidium Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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