20 Spruce Ln, Naples, ME 04055 Property Records

Cumberland County and Naples Town property record for 20 Spruce Ln, Naples, ME 04055

Property Summary

Property Type	Exempt (Full or Partial)
Details	1,232 sqft · built 2005
Lot Size	1.69 acres (73,616 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Sep 2021)
Tax Bill	$3,846 (2024)
Deeds & Mortgages	Apr 2026 Line of Credit Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`NAPL M:R06 L:0010 S:0051`

Property Details

APN / Parcel Number

Primary APN	`NAPL M:R06 L:0010 S:0051`
Alternative APN	`488`

Interior

Building Area	1,232 sqft Total Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	73,616 sqft (1.69 acres)

Location & Zoning

Account Number	488
Street Address	20 SPRUCE LN
City	NAPLES
State	ME
Zip	04055-3628
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	RES
Legal Subdivision	LAKE SEBAGO ESTS
Legal Lot Number	10
Jurisdiction	NAPLES ME
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1032
Census Tract	14001

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	25 OCEAN AVE, CAPE ELIZABETH, ME 04107-9517
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2026	Deed of Trust, Mortgage · Line of Credit EVERGREEN CREDIT UNION
Sep 30, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage SHAMROCK HOME LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2021 · Amount on Record
Deed Sale	Sep 30, 2021 · Amount on Record
Prior Sale	Nov 29, 2016 · Amount on Record
Deed Document Number	202170140
Deed Book / Page	38716 / 107
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPLES ME
Recording Date	Apr 27, 2026
Property Address	20 SPRUCE LN, NAPLES, ME 04055-3628
Document Number	0422030303
Book / Page	42203 / 303
Instrument Date	Apr 16, 2026
Instrument	202615684
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 SPRUCE LN, NAPLES, ME 04055-3628

Mortgage

Document Number	0000015684,
Date	Apr 27, 2026
Book Page	42203/303
Instrument	202615684

Lender

Name	EVERGREEN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Max Rate	-1%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAPLES ME
Recording Date	Sep 30, 2021
Property Address	20 SPRUCE LN, NAPLES, ME 04055-3628
Document Number	0387160107
Book / Page	38716 / 107
Instrument Date	Sep 29, 2021
Instrument	70140
Transaction Type	Transfer
Record Updated	Feb 3, 2022
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 OCEAN AVE, CAPE ELIZABETH, ME 04107-9517

Mortgage

Document Number	0000070141
Date	Sep 30, 2021
Instrument	70141

Lender

Name	SHAMROCK HOME LOANS

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Naples Town
Unified School District	School Administrative District 61 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025		$423,080 (+2.32%) Land $159,140 Building $263,940
2024	$3,846.00 (+1.64%)
2023	$3,784.00 (+10.94%)	$413,506 (-) Land $159,140 Building $254,366
2022	$3,411.00	$413,506 Land $159,140 Building $254,366

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 20 policies
Nearby Flood Policies	20 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Sebago Fiber & WiFi.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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