22 Forest Lake Rd, Gray, ME 04039 Property Records

Cumberland County and Gray Town property record for 22 Forest Lake Rd, Gray, ME 04039

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,582 sqft · built 2009
Lot Size	1.87 acres (81,457 sqft)
Owner	Individual Name on File
Last Sale	$369,800 (Oct 2018)
Tax Bill	$4,633 (2025)
Deeds & Mortgages	May 2018 Mortgage Mar 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GRAY M:072 B:040 L:018-001`

Property Details

APN / Parcel Number

Primary APN	`GRAY M:072 B:040 L:018-001`
Alternative APNs	`040018001000` `2428`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,582 sqft Living Area

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	81,457 sqft (1.87 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	2428
Street Address	22 FOREST LAKE RD
City	GRAY
State	ME
Zip	04039-5401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	FOREST RDG SUB
Legal Block	40
Legal Lot Number	18-1
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	4
Census Block	4025
Census Tract	4702

Owner

22 Forest Lake Rd is owned and occupied by an individual who bought it in October 2018.

Source: Cumberland County and Gray Town records, as of May 21, 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	Individual Name on File
Mailing Address	22 FOREST LAKE RD, GRAY, ME 04039-5401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2018	Deed of Trust, Mortgage BANGOR SAVINGS BANK
Mar 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HOMEBRIDGE FINANCIAL SERVICES INC
Dec 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HOMEBRIDGE FINANCIAL SERVICES INC
Oct 2, 2018	Warranty Deed, Transfer HOMEBRIDGE FINANCIAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2018 · Amount on File
Deed Sale	Oct 2, 2018 · Amount on File
Prior Sale	Feb 4, 2016 · Amount on File
Deed Document Number	201850489
Deed Book / Page	35187 / 121
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	22 FOREST LAKE RD, GRAY, ME 04039-5401
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0348240194
Date	May 7, 2018
Book Page	34824/0194
Instrument	000000020423

Lender

Name	BANGOR SAVINGS BANK

Agreement

Amount	Amount on Record
Term	300 Months
Due	May 25, 2043

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	22 FOREST LAKE RD, GRAY, ME 04039-5401
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0355360249
Date	Mar 25, 2019
Book Page	35536/249
Instrument	11905

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Apr 1, 2048

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	22 FOREST LAKE RD, GRAY, ME 04039-5401
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0376340255
Date	Dec 30, 2020
Book Page	37634/255
Instrument	86925

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

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

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAY ME
Recording Date	Oct 2, 2018
Property Address	22 FOREST LAKE RD, GRAY, ME 04039-5401
Document Number	0351870121
Book / Page	35187 / 0121
Instrument	000000050489
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050490
Date	Oct 2, 2018
Instrument	000000050490

Lender

Name	HOMEBRIDGE FINANCIAL

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 2, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 22 Forest Lake Rd was $4,633.

Source: Cumberland County and Gray Town assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Gray Town
Unified School District	School Administrative District 15 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,633.00	$478,600 Land $125,200 Building $353,400
2023	$4,644.00 (+8.84%)	$305,900 (-) Land $60,000 Building $245,900
2022	$4,267.00	$305,900 Land $60,000 Building $245,900

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

Flood

FEMA maps place 22 Forest Lake 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	7 (1983–2007)
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal Flooding
Claims by Event	Severe Storms & Flooding, May 1989 · 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 22 Forest Lake 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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
GoNetspeed Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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