Cumberland County and Gray Town property record for 20 Pine Cove Rd, Gray, ME 04039 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,456 sqft · built 2013 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $169,000 (May 2012) |
| Tax Bill | $4,911 (2025) |
| Deeds & Mortgages | May 2025 Mortgage Aug 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C02022000000 |
| Primary APN | C02022000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,456 sqft Living Area |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Material | Metal |
| Lot Area | 6,534 sqft (0.15 acres) |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 2969 |
|---|---|
| Street Address | 20 PINE COVE RD |
| City | GRAY |
| State | ME |
| Zip | 04039 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | DRY LK CAMP SITES |
| Legal Block | 102 |
| Legal Lot Number | 22-0 |
| Jurisdiction | GRAY ME |
| Township / Civil Division | GRAY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 4701 |
Source: Cumberland County and Gray Town records · APN C02022000000
Assessment roll updated May 21, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 385 KENNEBUNK POND RD, LYMAN, ME 04002-7751 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 16, 2025 | Deed of Trust, Mortgage SACO & BIDDEFORD SAVINGS |
| Aug 30, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance SACO & BIDDEFORD SAVINGS |
| Apr 14, 2021 | Deed of Trust, Mortgage · Line of Credit SACO & BIDDEFORD SAVINGS |
| Dec 04, 2018 | Deed of Trust, Mortgage · Line of Credit SACO & BIDDEFORD SVGS INST |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 22, 2012 · Amount on Record |
| Deed Sale | May 22, 2012 · Amount on Record |
| Deed Document Number | 201226381 |
| Deed Book / Page | 29602 / 198 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRAY ME |
| Property Address | 20 PINE COVE RD, GRAY, ME 04039 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0414490157 |
|---|---|
| Date | May 16, 2025 |
| Book Page | 41449/157 |
| Instrument | 17090 |
| Name | SACO & BIDDEFORD SAVINGS |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 241 Months |
| Due | Jun 01, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRAY ME |
| Property Address | 20 PINE COVE RD, GRAY, ME 04039 |
| Transaction Type | Mortgage |
| Record Updated | Feb 02, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0385990173 |
|---|---|
| Date | Aug 30, 2021 |
| Book Page | 38599/173 |
| Instrument | 62663 |
| Name | SACO & BIDDEFORD SAVINGS |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRAY ME |
| Property Address | 20 PINE COVE RD, GRAY, ME 04039 |
| Transaction Type | Mortgage |
| Record Updated | Feb 02, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0380670106 |
|---|---|
| Date | Apr 14, 2021 |
| Book Page | 38067/106 |
| Instrument | 26560 |
| Name | SACO & BIDDEFORD SAVINGS |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 229 Months |
| Due | May 01, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRAY ME |
| Property Address | 20 PINE COVE RD, GRAY, ME 04039 |
| Document Number | 0353950022 |
| Instrument Date | Dec 04, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 20 PINE COVE RD GRAY ME 04039, GRAY, ME 04039 |
| Document Number | 0353950022 |
|---|---|
| Date | Jan 02, 2019 |
| Book Page | 035395/000022 |
| Instrument | 673 |
| Name | SACO & BIDDEFORD SVGS INST |
|---|---|
| Type | Federal Savings Bank |
| Address | SACO, ME 04072 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 01, 2039 |
| Rate Type | Adjustable Rate |
|---|
Source: Cumberland County and Gray Town records · Assessment roll updated May 21, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Cumberland County |
| County Subdivision | Gray Town |
| Unified School District | School Administrative District 15 (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $4,911.00 (+7.06%) | $507,300 (+67.87%) Land $223,500 Building $283,800 |
| 2023 | $4,587.00 (+8.8%) | $302,200 (-) Land $105,100 Building $197,100 |
| 2022 | $4,216.00 | $302,200 Land $105,100 Building $197,100 |
Source: FEMA National Flood Hazard Layer, Cumberland County (23005C), updated June 3, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Low above 20% of the US · above 54% of Maine |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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