22 Cyr Ln, Carmel, ME 04419 Property Records

Penobscot County and Carmel Town property record for 22 Cyr Ln, Carmel, ME 04419

Property Summary

Property Type	Single Family Home
Lot Size	2 acres (87,120 sqft)
Owner	2 Trust Names on File
Last Sale	$375,000 (Aug 2026)
Tax Bill	$2,925 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Feb 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`CARM M:0010 L:28-6`

Property Details

APN / Parcel Number

Primary APN	`CARM M:0010 L:28-6`
Alternative APNs	`M:0010 L:28=6` `228`

Exterior

Architectural Style	Multi-Family
Lot Area	87,120 sqft (2 acres)

Location & Zoning

Street Address	22 CYR LN
City	CARMEL
State	ME
Zip	04419-3126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	28-6
Jurisdiction	CARMEL ME
Township / Civil Division	CARMEL
Census Block Group	1
Census Block	1019
Census Tract	11000

Owner

22 Cyr Ln is owner-occupied and held in a trust since August 2026.

Source: Penobscot County and Carmel Town records, as of October 19, 2026

Owner of Record	2 Trust Names on File
Mailing Address	22 CYR LN, CARMEL, ME 04419-3126
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

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
Aug 25, 2026	Warranty Deed, Transfer · Conventional Mortgage HMA MORTGAGE
Feb 12, 2025	Deed of Trust, Mortgage · Line of Credit KATHADIN TRUST CO
Aug 11, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance KATHADIN TRUST CO
May 26, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2026 · Amount on File
Deed Sale	Aug 25, 2026 · Amount on File
Prior Sale	May 26, 2023 · Amount on File
Deed Document Number	202623406
Deed Book / Page	17991 / 303
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARMEL ME
Recording Date	Aug 25, 2026
Property Address	22 CYR LN, CARMEL, ME 04419-3126
Document Number	0000023406
Book / Page	17991 / 303
Instrument Date	Aug 24, 2026
Instrument	202623406
Transaction Type	Transfer
Record Updated	Sep 9, 2026

Transaction

Amount	Amount on Record
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
Address	22 CYR LN, CARMEL, ME 04419-3126

Mortgage

Date	Aug 25, 2026

Lender

Name	HMA MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Max Rate	-1%

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARMEL ME
Property Address	22 CYR LN, CARMEL, ME 04419-3126
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0174100350
Date	Feb 12, 2025
Book Page	17410/350
Instrument	3341

Lender

Name	KATHADIN TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2045

Interest

Rate Type	Adjustable Rate

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARMEL ME
Property Address	22 CYR LN, CARMEL, ME 04419-3126
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0169080273
Date	Aug 11, 2023
Book Page	16908/273
Instrument	18695

Lender

Name	KATHADIN TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Sep 1, 2054

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARMEL ME
Recording Date	May 26, 2023
Property Address	22 CYR LN, CARMEL, ME 04419-3126
Document Number	0168310349
Book / Page	16831 / 349
Instrument Date	May 22, 2023
Instrument	10977
Transaction Type	Transfer
Record Updated	Mar 26, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	22 CYR LN, CARMEL, ME 04419-3126
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 22 Cyr Ln was $2,925, up 69.2% from the year before.

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

Property Jurisdictions

Type	Name
State	Maine
County	Penobscot County
County Subdivision	Carmel Town
Unified School District	School Administrative District 23 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$2,925.00 (+69.17%)	$185,100 (+46.09%) Land $39,000 Building $146,100
2024	$1,729.00	$126,700 Land $39,000 Building $87,700
2022	$1,234.00	$97,900 Land $39,000 Building $58,900

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 22 Cyr Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 22 Cyr Ln 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	10 / 1

May also be available: Fidium Fiber, Spectrum.

Cell Coverage

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

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