21 Cottage St, Bangor, ME 04401 Property Records

Penobscot County and Bangor City property record for 21 Cottage St, Bangor, ME 04401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,852 sqft · built 1900
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$269,000 (Nov 2025)
Tax Bill	$4,721 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BANG M:021 L:042`

Property Details

APN / Parcel Number

Primary APN	`BANG M:021 L:042`
Alternative APN	`2832`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,852 sqft Living Area
Gross Area	4,452 sqft
1st Floor Area	1,440 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	2832
Street Address	21 COTTAGE ST
City	BANGOR
State	ME
Zip	04401-3727
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URD1
Legal Lot Number	42
Jurisdiction	BANGOR ME
Township / Civil Division	BANGOR
Census Block Group	5
Census Block	5002
Census Tract	500

Owner

Source: Penobscot County and Bangor City records, as of October 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8 HUDSON ST, BANGOR, ME 04401-4618
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE
May 2, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNIVERSITY CREDIT UNION
Feb 7, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2025 · Amount on Record
Deed Sale	Nov 21, 2025 · Amount on Record
Prior Sale	May 2, 2022 · Amount on Record
Deed Document Number	202532649
Deed Book / Page	17705 / 171
Prior Transfer Date	Apr 29, 2022
Prior Transfer Doc	0164640310
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANGOR ME
Recording Date	Nov 21, 2025
Property Address	21 COTTAGE ST, BANGOR, ME 04401-3727
Document Number	0177050171
Book / Page	17705 / 171
Instrument Date	Nov 20, 2025
Instrument	32649
Transaction Type	Transfer
Record Updated	Dec 10, 2025

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	8 HUDSON ST, BANGOR, ME 04401-4618
Investor	Possibly a Property Investor

Mortgage

Document Number	0000032650
Date	Nov 21, 2025
Instrument	32650

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BANGOR ME
Recording Date	May 2, 2022
Property Address	21 COTTAGE ST, BANGOR, ME 04401-3727
Document Number	0164640310
Book / Page	16464 / 310
Instrument Date	Apr 29, 2022
Instrument	11639
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	21 COTTAGE ST, BANGOR, ME 04401-3727

Mortgage

Document Number	0000011640
Date	May 2, 2022
Instrument	11640

Lender

Name	UNIVERSITY CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BANGOR ME
Recording Date	Feb 7, 2017
Property Address	21 COTTAGE ST, BANGOR, ME 04401-3727
Document Number	0144050250
Book / Page	014405 / 000250
Instrument Date	Feb 3, 2017
Instrument	3477
Transaction Type	Transfer
Record Updated	Aug 10, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 BOONDOCK HILL RD ETNA ME 044343049, ETNA, ME 04434-3049

Tax Assessment & Valuation

Source: Penobscot County and Bangor City assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Penobscot County
Municipality	Bangor City
Unified School District	Bangor (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,721.00 (+0.32%)	$266,700 (+5.12%) Land $16,700 Building $250,000
2024	$4,706.00 (+6.06%)	$253,700 (+9.5%) Land $16,200 Building $237,500	$306,850
2023	$4,437.00 (+7.62%)	$231,700 (+14.65%) Land $16,200 Building $215,500
2022	$4,123.00	$202,100 Land $16,200 Building $185,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 7, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 96% of the US · lower than 97.9% of Maine
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BANGOR WATER DISTRICT serves 27,298 people · EPA ID ME0090110
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 519 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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