22 Hancock St, Gray, ME 04039 Property Records

Cumberland County and Gray Town property record for 22 Hancock St, Gray, ME 04039

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,756 sqft · built 1941
Lot Size	0.63 acres (27,443 sqft)
Owner	Individual Name on File
Last Sale	$303,000 (Jul 2018)
Tax Bill	$4,710 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Aug 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`U05041000000`

Property Details

APN / Parcel Number

Primary APN	`U05041000000`
Alternative APNs	`GRAY M:043 B:405 L:041-000` `4498`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,756 sqft Living Area

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Metal
Lot Area	27,443 sqft (0.63 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	4498
Street Address	22 HANCOCK ST
City	GRAY
State	ME
Zip	04039-9523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VILLAG
Legal Subdivision	BAY HOUSE CONDO
Legal Block	405
Legal Lot Number	41-0
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	1
Census Block	1021
Census Tract	4702

Owner

Source: Cumberland County and Gray Town assessment roll, 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	Individual Name on File
Mailing Address	22 HANCOCK ST, GRAY, ME 04039-9523
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Deed of Trust, Mortgage · Line of Credit CUMBERLAND COUNTY FEDERAL CREDIT UNION
Aug 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CMG MORTGAGE INC
Jul 19, 2018	Warranty Deed, Transfer EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 19, 2018 · Amount on Record
Deed Sale	Jul 19, 2018 · Amount on Record
Prior Sale	Apr 24, 2009
Deed Document Number	201834636
Deed Book / Page	35002 / 57
Transfer Doc	26829-0021
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Recording Date	Jun 26, 2026
Property Address	22 HANCOCK ST, GRAY, ME 04039-9523
Document Number	0000025867
Book / Page	42355 / 250
Instrument Date	Jun 4, 2026
Instrument	202625867
Transaction Type	Mortgage
Record Updated	Jul 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 HANCOCK ST, GRAY, ME 04039-9523

Mortgage

Document Number	0000025867,
Date	Jun 26, 2026
Book Page	42355/250
Instrument	202625867

Lender

Name	CUMBERLAND COUNTY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	22 HANCOCK ST, GRAY, ME 04039-9523
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0370880116
Date	Aug 24, 2020
Book Page	37088/116
Instrument	51329

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAY ME
Recording Date	Jul 19, 2018
Property Address	22 HANCOCK ST, GRAY, ME 04039-9523
Document Number	0350020057
Book / Page	035002 / 000057
Instrument Date	Jul 19, 2018
Instrument	34636
Transaction Type	Transfer
Record Updated	Aug 20, 2018
Title Company	CUMBERLAND TITLE SERVICES LLC

Transaction

Tax	$0.00
Additional	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	15 COLLYER BROOK RD #A GRAY ME 040399444, A, GRAY, ME 04039-9444

Mortgage

Document Number	350020059
Date	Jul 19, 2018
Book Page	035002/000059
Instrument	34637

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2048

Tax Assessment & Valuation

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	$4,710.00 (-1.11%)	$486,600 (+55.07%) Land $123,500 Building $363,100
2023	$4,763.00 (+8.79%)	$313,800 (-) Land $57,600 Building $256,200
2022	$4,378.00	$313,800 Land $57,600 Building $256,200

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

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 at the parcel

Drinking Water

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

Water System	GRAY WATER DISTRICT serves 2,468 people · EPA ID ME0090620
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Oct 2024
Treatment and Procedure	Coliform assessment Nov 2024
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Hancock St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures