20 Spur Rd, Harpswell, ME 04079 Property Records

Cumberland County and Harpswell Town property record for 20 Spur Rd, Harpswell, ME 04079

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,146 sqft · built 1990
Lot Size	9.45 acres (411,642 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (Jun 2008)
Tax Bill	$2,775 (2025)
Deeds & Mortgages	Oct 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`HARP M:051 L:047`

Property Details

APN / Parcel Number

Primary APN	`HARP M:051 L:047`
Alternative APN	`3752`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,146 sqft Living Area
Gross Area	3,347 sqft
1st Floor Area	1,073 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Shed Roof
Roof Material	Metal
Lot Area	411,642 sqft (9.45 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	3752
Street Address	20 SPUR RD
City	HARPSWELL
State	ME
Zip	04079-4246
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	INT
Legal Lot Number	47
Jurisdiction	HARPSWELL ME
Township / Civil Division	HARPSWELL
Census Block Group	3
Census Block	3000
Census Tract	17102

Owner

20 Spur Rd is owned by an individual who bought it in June 2008.

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

Owner of Record	Individual Name on File
Mailing Address	95 BALDWIN ST, CHARLESTOWN, MA 02129-1423
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2008 · Amount on File
Deed Sale	Jun 30, 2008 · Amount on File
Prior Sale	Aug 16, 2005 · Amount on File
Deed Book / Page	26167 / 44
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	20 SPUR RD, HARPSWELL, ME 04079-4246
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0360820291
Date	Oct 18, 2019
Book Page	36082/291
Instrument	52538

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 20 Spur Rd was $2,775, up 4.7% from the year before.

Source: Cumberland County and Harpswell Town assessment roll, as of July 30, 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	$2,775.00 (+4.72%)	$416,600 (-) Land $189,200 Building $227,400
2024	$2,650.00 (+4.29%)	$416,600 (-) Land $189,200 Building $227,400
2023	$2,541.00 (+3.38%)	$416,600 (-) Land $189,200 Building $227,400
2022	$2,458.00	$416,600 Land $189,200 Building $227,400

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

Flood

FEMA maps place 20 Spur 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 AE, within 500 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 (2007)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal Flooding
Claims by Event	Severe Storms And Inland And Coastal Flooding, Apr 2007 · 2 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 Spur Rd is low, with 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 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 44 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