Cumberland County and Harpswell Town property record for 23 Spruce Ledge Rd, Bailey Island, ME 04003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,016 sqft · built 1989 |
| Lot Size | 0.74 acres (32,234 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,056 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | HARP M:020 L:086 |
| Primary APN | HARP M:020 L:086 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,016 sqft Living Area |
| Gross Area | 3,484 sqft |
| 1st Floor Area | 1,008 sqft |
| Basement Area | 1,008 sqft |
| Unfinished Basement | 1,008 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 32,234 sqft (0.74 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1708 |
|---|---|
| Street Address | 23 SPRUCE LEDGE RD |
| City | BAILEY ISLAND |
| State | ME |
| Zip | 04003-2638 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IN |
| Legal Lot Number | 86 |
| Jurisdiction | HARPSWELL ME |
| Township / Civil Division | HARPSWELL |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 17102 |
23 Spruce Ledge Rd is owned and occupied by two individuals.
Source: Cumberland County and Harpswell Town records, as of May 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23 SPRUCE LEDGE RD, BAILEY ISLAND, ME 04003-2638 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 23 Spruce Ledge Rd was $3,056, up 4.7% from the year before.
Source: Cumberland County and Harpswell Town assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Cumberland County |
| County Subdivision | Harpswell Town |
| Unified School District | School Administrative District 75 (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $3,056.00 (+4.69%) | $458,900 (-) Land $208,200 Building $250,700 |
| 2024 | $2,919.00 (+4.29%) | $458,900 (-) Land $208,200 Building $250,700 |
| 2023 | $2,799.00 (+3.36%) | $458,900 (-) Land $208,200 Building $250,700 |
| 2022 | $2,708.00 | $458,900 Land $208,200 Building $250,700 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 23 Spruce Ledge Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AO, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 32 individual policies |
| Nearby Flood Policies | 34 units insured incl. 2 condo units |
| Nearby Flood Claims | 11 (1990–2024) |
| Claims Outside the SFHA | 1 of 11 |
| Most Recent Claim | Jan 2024 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 23 Spruce Ledge Rd is low, with less than 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 97% of the US · lower than 98.5% of Maine |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 45 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 / 250 |
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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