20 Spruce Ledge Rd, Bailey Island, ME 04003 Property Records

Cumberland County and Harpswell Town property record for 20 Spruce Ledge Rd, Bailey Island, ME 04003

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,366 sqft · built 1937
Lot Size	0.95 acres (41,382 sqft)
Owner	Individual Name on File
Tax Bill	$3,008 (2025)
Deeds & Mortgages	Dec 2025 Sale Dec 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`HARP M:020 L:072`

Property Details

APN / Parcel Number

Primary APN	`HARP M:020 L:072`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,366 sqft Living Area
Gross Area	2,702 sqft
1st Floor Area	1,366 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	41,382 sqft (0.95 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	20 SPRUCE LEDGE RD
City	BAILEY ISLAND
State	ME
Zip	04003-2636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Lot Number	72
Jurisdiction	HARPSWELL ME
Township / Civil Division	HARPSWELL
Census Block Group	1
Census Block	1022
Census Tract	17102

Owner

20 Spruce Ledge Rd is owned and occupied by an individual who acquired it in December 2025.

Source: Cumberland County and Harpswell Town records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	20 SPRUCE LEDGE RD, BAILEY ISLAND, ME 04003-2636
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Dec 12, 2025	Deed, Transfer
Dec 12, 2025	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2025
Deed Sale	Dec 12, 2025
Prior Sale	Dec 12, 2025 · Amount on File
Deed Book / Page	41929 / 197
Record Updated	Sep 20, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	HARPSWELL ME
Recording Date	Dec 12, 2025
Property Address	20 SPRUCE LEDGE RD, BAILEY ISLAND, ME 04003-2636
Document Number	0419290197
Book / Page	41929 / 197
Instrument Date	Dec 10, 2025
Instrument	51488
Transaction Type	Transfer
Record Updated	Dec 31, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARPSWELL ME
Recording Date	Dec 12, 2025
Property Address	20 SPRUCE LEDGE RD, BAILEY ISLAND, ME 04003-2636
Document Number	0419290191
Book / Page	41929 / 191
Instrument Date	Dec 10, 2025
Instrument	51487
Transaction Type	Transfer
Record Updated	Dec 31, 2025

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

Tax Assessment & Valuation

The 2025 property tax bill for 20 Spruce Ledge Rd was $3,008, up 4.7% from the year before.

Source: Cumberland County and Harpswell Town assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Harpswell Town
Unified School District	School Administrative District 75 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,008.00 (+4.74%)	$451,600 (-) Land $251,100 Building $200,500
2024	$2,872.00 (+4.25%)	$451,600 (-) Land $251,100 Building $200,500
2023	$2,755.00 (+3.42%)	$451,600 (-) Land $251,100 Building $200,500
2022	$2,664.00	$451,600 Land $251,100 Building $200,500

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

Flood

FEMA maps place 20 Spruce Ledge Rd in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 32 individual policies
Nearby Flood Policies	34 units insured incl. 2 condo units
Nearby Flood Claims	11 (1990–2024)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Severe Storms And Inland And Coastal Flooding, Apr 2007 · 5 claims

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 Spruce Ledge Rd 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	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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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