20 Ramsdell Rd, Gray, ME 04039 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,404 sqft · built 1993
Lot Size	1.15 acres (50,094 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Jan 2026)
Tax Bill	$3,506 (2025)
Deeds & Mortgages	Nov 2022 Refinance Jan 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GRAY M:042 B:019 L:010-000`

Property Details

APN / Parcel Number

Primary APN	`GRAY M:042 B:019 L:010-000`
Alternative APNs	`019010000000` `936`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,404 sqft Living Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	50,094 sqft (1.15 acres)

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	936
Street Address	20 RAMSDELL RD
City	GRAY
State	ME
Zip	04039-7757
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	19
Legal Lot Number	10-0
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	3
Census Block	3020
Census Tract	4702

Owner

Source: Cumberland County and Gray Town records, as of July 30, 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 Record
Mailing Address	62 MURPHYS WAY, LYMAN, ME 04002-7596
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CPORT CREDIT UNION
Jan 12, 2026	Quit Claim Deed, Transfer · Conventional Mortgage SACO & BIDDEFORD SAVINGS
Dec 13, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2026 · Amount on Record
Deed Sale	Jan 12, 2026 · Amount on Record
Prior Sale	Dec 13, 2021 · Amount on Record
Deed Document Number	20261009
Deed Book / Page	41986 / 100
Prior Transfer Date	Jan 9, 2026
Prior Transfer Doc	0419860100
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	20 RAMSDELL RD, GRAY, ME 04039-7757
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0398430048
Date	Nov 14, 2022
Book Page	39843/48
Instrument	56601

Lender

Name	CPORT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2047

January 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GRAY ME
Recording Date	Jan 12, 2026
Property Address	20 RAMSDELL RD, GRAY, ME 04039-7757
Document Number	0419860100
Book / Page	41986 / 100
Instrument Date	Jan 9, 2026
Instrument	1009
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount Recorded
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	62 MURPHYS WAY, LYMAN, ME 04002-7596

Mortgage

Document Number	0000001010
Date	Jan 12, 2026
Instrument	1010

Lender

Name	SACO & BIDDEFORD SAVINGS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAY ME
Recording Date	Dec 13, 2021
Property Address	20 RAMSDELL RD, GRAY, ME 04039-7757
Document Number	0389870222
Book / Page	38987 / 222
Instrument Date	Dec 10, 2021
Instrument	87876
Transaction Type	Transfer
Record Updated	Dec 27, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 HERITAGE DR, STANDISH, ME 04084-5771

Mortgage

Document Number	0000087877
Date	Dec 13, 2021
Instrument	87877

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$3,506.00 (-7.2%)	$362,200 (+45.52%) Land $119,300 Building $242,900
2023	$3,778.00 (+8.81%)	$248,900 (-) Land $62,200 Building $186,700
2022	$3,472.00	$248,900 Land $62,200 Building $186,700

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

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 A, within 500 ft
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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
GoNetspeed Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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