23 Elm Ln, Stetson, ME 04488 Property Records

Penobscot County and Stetson Town property record for 23 Elm Ln, Stetson, ME 04488

Property Summary

Property Type	Single Family Home
Lot Size	3.27 acres (142,441 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Jul 2023)
Tax Bill	$4,346 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`STET M:007 L:021-05`

Property Details

APN / Parcel Number

Primary APN	`STET M:007 L:021-05`
Alternative APN	`203`

Exterior

Architectural Style	Multi-Family
Lot Area	142,441 sqft (3.27 acres)

Location & Zoning

Account Number	203
Street Address	23 ELM LN
City	STETSON
State	ME
Zip	04488-3200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	21-5
Jurisdiction	STETSON ME
Township / Civil Division	STETSON
Census Block Group	1
Census Block	1021
Census Tract	13500

Owner

Source: Penobscot County and Stetson Town records, as of May 22, 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 Record
Mailing Address	604 BLACKSTREAM RD, HERMON, ME 04401-0210
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage LEADERONE FINANCIAL
Jan 20, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) USA VETERANS ADMIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2023 · Amount on Record
Deed Sale	Jul 31, 2023 · Amount on Record
Prior Sale	Jun 5, 2018 · Amount on Record
Deed Document Number	202317422
Deed Book / Page	16894 / 329
Record Updated	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STETSON ME
Recording Date	Jul 31, 2023
Property Address	23 ELM LN, STETSON, ME 04488-3200
Document Number	0168940329
Book / Page	16894 / 329
Instrument Date	Jul 28, 2023
Instrument	17422
Transaction Type	Transfer
Record Updated	Aug 14, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Address	604 BLACKSTREAM RD, HERMON, ME 04401-0210

Mortgage

Document Number	0000017423
Date	Jul 31, 2023
Instrument	17423

Lender

Name	LEADERONE FINANCIAL

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STETSON ME
Property Address	23 ELM LN, STETSON, ME 04488-3200
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0163540016
Date	Jan 20, 2022
Book Page	16354/16
Instrument	1680

Lender

Name	USA VETERANS ADMIN

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Penobscot County and Stetson Town assessment roll, as of May 22, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Penobscot County
County Subdivision	Stetson Town
Unified School District	School Administrative District 64 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,346.00 (+35.73%)	$257,900 (+61.09%) Land $16,900 Building $241,000
2020	$3,202.00	$160,100 Land $16,900 Building $143,200	$236,645

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 7, 2024 · 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	1 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	1,000 / 1,000
Starlink Satellite	280 / 30
Redzone Wireless Fixed Wireless	50 / 15

Cell Coverage

No cell data coverage reported

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