217 Gray Rd, Cumberland, ME 04021 Property Records

Cumberland County and Cumberland Town property record for 217 Gray Rd, Cumberland, ME 04021

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,113 sqft · built 1800
Lot Size	7.92 acres (344,995 sqft)
Owner	Individual Name on File
Tax Bill	$7,992 (2025)
Deeds & Mortgages	Apr 2021 Refinance Aug 2017 Line of Credit + 1 more
Flood Zone	Zone A (high risk)
APN	`CMBL M:U20 L:68`

Property Details

APN / Parcel Number

Primary APN	`CMBL M:U20 L:68`
Alternative APNs	`20233603` `20262824`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,113 sqft Living Area
Gross Area	3,170 sqft
1st Floor Area	964 sqft
Attic	Attic
Attic Area	594 sqft
Basement Area	594 sqft
Unfinished Basement	594 sqft

Exterior

Year Built	Built 1800
Effective Year Built	Effective 1800
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	344,995 sqft (7.92 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	20262824
Street Address	217 GRAY RD
City	CUMBERLAND CENTER
State	ME
Zip	04021-3114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VCC
Legal Subdivision	HILLCREST SOUTH RESUB
Legal Lot Number	68
Jurisdiction	CUMBERLAND ME
Township / Civil Division	CUMBERLAND
Census Block Group	1
Census Block	1010
Census Tract	4201

Owner

217 Gray Rd is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	217 GRAY RD, CUMBERLAND CENTER, ME 04021-3114
Occupancy	Owner Occupied
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

Date	Document
Apr 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CUMBERLAND COUNTY FCU
Aug 22, 2017	Deed of Trust, Mortgage · Line of Credit PEOPLE'S UNITED BK
Mar 20, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND ME
Property Address	217 GRAY RD, CUMBERLAND, ME 04021-3114
Transaction Type	Mortgage
Record Updated	May 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0381120163
Date	Apr 26, 2021
Book Page	38112/163
Instrument	29441

Lender

Name	CUMBERLAND COUNTY FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND ME
Property Address	217 GRAY RD, CUMBERLAND, ME 04021-3114
Document Number	0343020272
Book / Page	034302 / 000272
Instrument Date	Aug 22, 2017
Transaction Type	Mortgage
Record Updated	Sep 28, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	217 GRAY RD CUMBERLAND ME 040213114, CUMBERLAND, ME 04021-3114

Mortgage

Document Number	0343020272
Date	Sep 11, 2017
Book Page	034302/000272
Instrument	45799

Lender

Name	PEOPLE'S UNITED BK
Type	Bank
Address	WINDHAM, ME 04062

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND ME
Recording Date	Mar 20, 2017
Property Address	217 GRAY RD, CUMBERLAND, ME 04021-3114
Document Number	0338900195
Book / Page	033890 / 000195
Instrument Date	Mar 6, 2017
Instrument	12713
Transaction Type	Transfer
Record Updated	Jul 10, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	217 GRAY RD CUMBERLAND ME 040213114, CUMBERLAND, ME 04021-3114

Tax Assessment & Valuation

The 2025 property tax bill for 217 Gray Rd was $7,992.

Source: Cumberland County and Cumberland Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Cumberland Town
Unified School District	School Administrative District 51 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$7,992.00	$317,400 Land $133,100 Building $184,300
2022	$6,572.00	$310,000 Land $133,100 Building $176,900

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

Flood

FEMA maps place 217 Gray Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 3, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	1 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

Wildfire risk around 217 Gray 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.

Drinking Water

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

Water System	PORTLAND WATER DISTRICT-GREATER serves 135,068 people · EPA ID ME0091300
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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