22 Gingers Rd, Harpswell, ME 04079 Property Records

Cumberland County and Harpswell Town property record for 22 Gingers Rd, Harpswell, ME 04079 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,146 sqft · built 2018
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,376 (2025)
Deeds & Mortgages	Apr 2021 Refinance May 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`HARP M:012 L:034`

Property Details

APN / Parcel Number

Primary APN	`HARP M:012 L:034`
Alternative APN	`686`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,146 sqft Living Area
Gross Area	6,009 sqft
1st Floor Area	1,506 sqft
Basement Area	1,506 sqft
Unfinished Basement	1,506 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	686
Street Address	22 GINGERS RD
City	HARPSWELL
State	ME
Zip	04079
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	34
Jurisdiction	HARPSWELL ME
Township / Civil Division	HARPSWELL
Census Block Group	2
Census Block	2000
Census Tract	17101

Owner

Source: Cumberland County and Harpswell Town records · APN HARP M:012 L:034

Assessment roll updated May 21, 2026 · Last verified June 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 File
Mailing Address	PO BOX 106, HARPSWELL, ME 04079-0106
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
May 09, 2017	Deed of Trust, Mortgage BATH SAVINGS
Sep 23, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 01, 2019	Deed of Trust, Mortgage BATH SVGS INSTITUTION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 23, 2019
Deed Sale	Sep 23, 2019
Prior Sale	Sep 14, 2016 · Amount on Record
Deed Document Number	201947104
Deed Book / Page	36002 / 162
Prior Transfer Date	Aug 29, 2019
Prior Transfer Doc	0360020162
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	22 GINGERS RD, HARPSWELL, ME 04079
Transaction Type	Mortgage
Record Updated	May 02, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0381260233
Date	Apr 28, 2021
Book Page	38126/233
Instrument	30368

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	May 01, 2041

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	22 GINGERS RD, HARPSWELL, ME 04079
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0339940051
Date	May 09, 2017
Book Page	33994/0051
Instrument	000000020601

Lender

Name	BATH SAVINGS

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 09, 2047

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARPSWELL ME
Recording Date	Sep 23, 2019
Property Address	22 GINGERS RD, HARPSWELL, ME 04079
Document Number	0360020162
Book / Page	036002 / 000162
Instrument Date	Aug 29, 2019
Instrument	47104
Transaction Type	Transfer
Record Updated	Sep 30, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	22 GINGERS RD HARPSWELL ME 04079, HARPSWELL, ME 04079

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	22 GINGERS RD, HARPSWELL, ME 04079
Document Number	0358560125
Instrument Date	Aug 01, 2019
Transaction Type	Mortgage
Record Updated	Aug 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 GINGERS RD HARPSWELL ME 04079, HARPSWELL, ME 04079

Mortgage

Document Number	0358560125
Date	Aug 02, 2019
Book Page	035856/000125
Instrument	35862

Lender

Name	BATH SVGS INSTITUTION
Address	BATH, ME 04530

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2049

Tax Assessment & Valuation

Source: Cumberland County and Harpswell Town records · Assessment roll updated May 21, 2026 · Last verified June 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

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

Year	Tax Bill	Assessed Value
2025	$5,376.00 (+4.71%)	$807,200 (-) Land $248,700 Building $558,500
2024	$5,134.00 (+4.26%)	$807,200 (-) Land $248,700 Building $558,500
2023	$4,924.00 (+3.4%)	$807,200 (-) Land $248,700 Building $558,500
2022	$4,762.00	$807,200 Land $248,700 Building $558,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cumberland County (23005C), updated June 3, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 230050171012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone VE, within 100 ft
Flood Insurance Cost	Premium on Record median of 52 individual NFIP policies nearby
Nearby Flood Policies	52 in force
Nearby Flood Claims	12 (1978–2024)
Claims Outside the SFHA	3 of 12
Most Recent Claim	Jan 2024, tidal / storm surge, Severe Storms And Flooding
Claims By Storm	Severe Storms And Flooding, Jan 2024 · 3 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 63 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Consolidated Communications	Fiber	2,000 / 2,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

4G LTE only, no 5G reported

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