21 Elden Point Rd, Bailey Island, ME 04003 Property Records

Cumberland County and Harpswell Town property record for 21 Elden Point Rd, Bailey Island, ME 04003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,498 sqft · built 2018
Lot Size	0.79 acres (34,412 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,075 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HARP M:020 L:042`

Property Details

APN / Parcel Number

Primary APN	`HARP M:020 L:042`
Alternative APN	`1688`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,498 sqft Living Area
Gross Area	6,508 sqft
1st Floor Area	1,440 sqft
Basement Area	1,440 sqft
Unfinished Basement	1,440 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	34,412 sqft (0.79 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Heating Fuel	Gas

Location & Zoning

Account Number	1688
Street Address	21 ELDEN POINT RD
City	BAILEY ISLAND
State	ME
Zip	04003-2643
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IN
Legal Lot Number	42
Jurisdiction	HARPSWELL ME
Township / Civil Division	HARPSWELL
Census Block Group	1
Census Block	1005
Census Tract	17102

Owner

Source: Cumberland County and Harpswell 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	2 Individual Names on Record
Mailing Address	21 ELDEN POINT RD, BAILEY ISLAND, ME 04003-2643
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2017	Deed of Trust, Mortgage BATH SVGS INST'L
Sep 29, 2017	Deed of Trust, Mortgage BATH SVGS INST'L
Jul 13, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2019
Deed Sale	Aug 7, 2019
Prior Sale	Aug 7, 2019
Deed Document Number	201936829
Deed Book / Page	35869 / 47
Record Updated	Sep 20, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	21 ELDEN POINT RD, HARPSWELL, ME 04079
Document Number	0345090263
Instrument Date	Nov 30, 2017
Transaction Type	Mortgage
Record Updated	Mar 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 ELDEN POINT RD HARPSWELL ME 04079, HARPSWELL, ME 04079

Mortgage

Document Number	0345090263
Date	Dec 5, 2017
Book Page	034509/000263
Instrument	61736

Lender

Name	BATH SVGS INST'L
Type	Federal Savings Bank
Address	BATH, ME 04530

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Dec 4, 2032

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	21 ELDEN POINT RD, HARPSWELL, ME 04079
Document Number	0343730224
Instrument Date	Sep 29, 2017
Transaction Type	Mortgage
Record Updated	Mar 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 ELDEN POINT RD HARPSWELL ME 04079, HARPSWELL, ME 04079

Mortgage

Document Number	0343730224
Date	Oct 10, 2017
Book Page	034373/000224
Instrument	51501

Lender

Name	BATH SVGS INST'L
Type	Federal Savings Bank
Address	105 FRONT ST, BATH, ME 04530-2608

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 9, 2047

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARPSWELL ME
Recording Date	Jul 13, 2017
Property Address	21 ELDEN POINT RD, HARPSWELL, ME 04079
Document Number	0341530315
Book / Page	034153 / 000315
Instrument Date	Jun 30, 2017
Instrument	33000
Transaction Type	Transfer
Record Updated	Aug 24, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 SCHOOLHOUSE RD PORT JERVIS NY 127713544, PORT JERVIS, NY 12771-3544

Tax Assessment & Valuation

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	$5,075.00 (+4.73%)	$762,000 (-) Land $106,300 Building $655,700
2024	$4,846.00 (+4.57%)	$762,000 (+0.32%) Land $106,300 Building $655,700
2023	$4,634.00 (+3.39%)	$759,600 (-) Land $106,300 Building $653,300
2022	$4,482.00	$759,600 Land $106,300 Building $653,300

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 98.5% 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.

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 (outdoors only) and 4G LTE

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