229 Oak Ledge Rd, Harpswell, ME 04079 Property Records

Cumberland County and Harpswell Town property record for 229 Oak Ledge Rd, Harpswell, ME 04079

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,235 sqft · built 2005
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on File
Last Sale	$247,500 (Jan 2016)
Tax Bill	$2,269 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`HARP M:051 L:037`

Property Details

APN / Parcel Number

Primary APN	`HARP M:051 L:037`
Alternative APN	`3748`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,235 sqft Living Area
Gross Area	4,072 sqft
1st Floor Area	1,324 sqft
Attic	Attic
Attic Area	204 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,075 sqft (0.92 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	3748
Street Address	229 OAK LEDGE RD
City	HARPSWELL
State	ME
Zip	04079-4219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	INT
Legal Lot Number	37
Jurisdiction	HARPSWELL ME
Township / Civil Division	HARPSWELL
Census Block Group	3
Census Block	3000
Census Tract	17102

Owner

229 Oak Ledge Rd is owned and occupied by two individuals who bought it in January 2016.

Source: Cumberland County and Harpswell Town records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	229 OAK LEDGE RD, HARPSWELL, ME 04079-4219
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 20, 2021	Deed of Trust, Mortgage · FHA Mortgage MIDCOAST FEDERAL CREDIT UNION
Oct 11, 2017	Deed of Trust, Mortgage · Line of Credit ANDROSCOGGIN BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2016 · Amount on File
Deed Sale	Jan 15, 2016 · Amount on File
Deed Document Number	20162414
Deed Book / Page	32862 / 83
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	229 OAK LEDGE RD, HARPSWELL, ME 04079-4219
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0387940300
Date	Oct 20, 2021
Book Page	38794/300
Instrument	75271

Lender

Name	MIDCOAST FEDERAL CREDIT UNION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	229 OAK LEDGE RD, HARPSWELL, ME 04079-4219
Document Number	0344020324
Book / Page	034402 / 000324
Instrument Date	Oct 11, 2017
Transaction Type	Mortgage
Record Updated	Nov 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 OAK LEDGE RD HARPSWELL ME 040794219, HARPSWELL, ME 04079-4219

Mortgage

Document Number	0344020324
Date	Oct 23, 2017
Book Page	034402/000324
Instrument	53877

Lender

Name	ANDROSCOGGIN BK
Type	Bank
Address	LEWISTON, ME 04240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 22, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 229 Oak Ledge Rd was $2,269, up 4.7% from the year before.

Source: Cumberland County and Harpswell Town assessment roll, as of July 30, 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

Year	Tax Bill	Assessed Value
2025	$2,269.00 (+4.71%)	$340,700 (-) Land $72,500 Building $268,200
2024	$2,167.00 (+3.98%)	$340,700 (-0.29%) Land $72,500 Building $268,200
2023	$2,084.00 (+3.37%)	$341,700 (-) Land $72,500 Building $269,200
2022	$2,016.00	$341,700 Land $72,500 Building $269,200

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

Flood

FEMA maps place 229 Oak Ledge Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2007.

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
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	2 (2007)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal Flooding
Claims by Event	Severe Storms And Inland And Coastal Flooding, Apr 2007 · 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 229 Oak Ledge 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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