22 Terrace Rd, Readfield, ME 04355 Property Records

Kennebec County and Readfield Town property record for 22 Terrace Rd, Readfield, ME 04355

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,242 sqft · built 2000
Lot Size	1.9 acres (82,764 sqft)
Owner	2 Individual Names on Record
Last Sale	$304,000 (Apr 2022)
Tax Bill	$4,849 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`RFLD M:114 L:020`

Property Details

APN / Parcel Number

Primary APN	`RFLD M:114 L:020`
Alternative APNs	`M:010 L:001C3` `1764`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,242 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Raised Ranch
Lot Area	82,764 sqft (1.9 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	1764
Street Address	22 TERRACE RD
City	READFIELD
State	ME
Zip	04355-3167
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDE
Legal Lot Number	20
Jurisdiction	READFIELD ME
Township / Civil Division	READFIELD
Census Block Group	1
Census Block	1024
Census Tract	15000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Arnold Trail to Quebec listed 1969 · 1 contributing resources · NRIS 69000018

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Kennebec County and Readfield Town records, as of July 30, 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 Record
Mailing Address	22 TERRACE RD, READFIELD, ME 04355-3167
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Oct 1, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage CPORT CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2022 · Amount on Record
Deed Sale	Apr 11, 2022 · Amount on Record
Prior Sale	Oct 1, 2021 · Amount on Record
Deed Document Number	20228404
Deed Book / Page	14414 / 144
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	READFIELD ME
Recording Date	Apr 11, 2022
Property Address	22 TERRACE RD, READFIELD, ME 04355-3167
Document Number	2022008404
Book / Page	14414 / 144
Instrument Date	Apr 8, 2022
Instrument	2022008404
Transaction Type	Transfer
Record Updated	Apr 25, 2022

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants

Mortgage

Document Number	2022008405
Date	Apr 11, 2022
Instrument	2022008405

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Mortgage

Document Number	2022008707
Date	Apr 14, 2022
Book Page	14418/219
Instrument	2022008707

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	READFIELD ME
Recording Date	Oct 1, 2021
Property Address	22 TERRACE RD, READFIELD, ME 04355-3167
Document Number	2021028477
Book / Page	14194 / 237
Instrument Date	Sep 27, 2021
Instrument	2021028477
Transaction Type	Transfer
Record Updated	Oct 18, 2021
Title Company	MISC COMPANY

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
Address	22 TERRANCE RD, READFIELD, ME 04355-3167

Mortgage

Document Number	0000028478
Date	Oct 1, 2021
Instrument	28478

Lender

Name	CPORT CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maine
County	Kennebec County
County Subdivision	Readfield Town
Unified School District	Regional School Unit 38 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,849.00 (+3.7%)	$402,100 (+15.15%) Land $32,100 Building $370,000
2024	$4,676.00 (+16.7%)	$349,200 (+23.39%) Land $27,900 Building $321,300
2023	$4,007.00 (+38.51%)	$283,000 (+11.51%) Land $24,500 Building $258,500
2022	$2,893.00	$253,800 Land $22,000 Building $231,800

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

Flood

Source: FEMA National Flood Hazard Layer, effective February 18, 2021 · 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	3 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

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 19 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE only, no 5G reported

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