23 Spruce Ln, Naples, ME 04055 Property Records

Cumberland County and Naples Town property record for 23 Spruce Ln, Naples, ME 04055

Property Summary

Property Type	Exempt (Full or Partial)
Details	1,216 sqft
Lot Size	2.22 acres (96,703 sqft)
Owner	2 Individual Names on File
Last Sale	$640,000 (Jun 2025)
Tax Bill	$5,189 (2024)
Deeds & Mortgages	Feb 2026 Mortgage Oct 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`NAPL M:R06 L:0010 S:0037`

Property Details

APN / Parcel Number

Primary APN	`NAPL M:R06 L:0010 S:0037`
Alternative APN	`474`

Interior

Stories	2 Stories
Building Area	1,216 sqft Total Area

Exterior

Lot Area	96,703 sqft (2.22 acres)

Location & Zoning

Account Number	474
Street Address	23 SPRUCE LN
City	NAPLES
State	ME
Zip	04055-3627
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	RES
Legal Subdivision	LAKE SEBAGO ESTS
Legal Lot Number	10
Jurisdiction	NAPLES ME
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1032
Census Tract	14001

Owner

Source: Cumberland County and Naples 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	2 Individual Names on File
Mailing Address	23 SPRUCE LN, NAPLES, ME 04055-3627
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Deed of Trust, Mortgage GUILD MORTGAGE CO
Oct 25, 2021	Deed of Trust, Mortgage · Line of Credit PARTNERS BANK
Nov 12, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage CMG MORTGAGE INC
Oct 4, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 25, 2025 · Amount on Record
Deed Sale	Jun 25, 2025 · Amount on Record
Prior Sale	Nov 12, 2019 · Amount on Record
Deed Document Number	202522750
Deed Book / Page	41535 / 146
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPLES ME
Property Address	23 SPRUCE LN, NAPLES, ME 04055-3627
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0420730318
Date	Feb 25, 2026
Book Page	42073/318
Instrument	7270

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPLES ME
Property Address	23 SPRUCE LN, NAPLES, ME 04055-3627
Transaction Type	Mortgage
Record Updated	Nov 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0388090092
Date	Oct 25, 2021
Book Page	38809/92
Instrument	76238

Lender

Name	PARTNERS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2046

Interest

Rate Type	Adjustable Rate

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAPLES ME
Recording Date	Nov 12, 2019
Property Address	23 SPRUCE LN, NAPLES, ME 04055-3627
Document Number	0361620287
Book / Page	36162 / 287
Instrument Date	Oct 25, 2019
Instrument	57864
Transaction Type	Transfer
Record Updated	May 11, 2021

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	5540 55TH TER, VERO BEACH, FL 32967-2459

Mortgage

Document Number	57865
Date	Nov 12, 2019
Instrument	57865

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAPLES ME
Recording Date	Oct 4, 2017
Property Address	23 SPRUCE LN, NAPLES, ME 04055-3627
Document Number	0343640003
Book / Page	034364 / 000003
Instrument Date	Sep 20, 2017
Instrument	50850
Transaction Type	Transfer
Record Updated	Nov 8, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 178 NAPLES ME 040550178, NAPLES, ME 04055-0178

Tax Assessment & Valuation

Source: Cumberland County and Naples Town assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Naples Town
Unified School District	School Administrative District 61 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025		$557,922 (-) Land $162,320 Building $395,602
2024	$5,189.00 (+1.65%)
2023	$5,105.00 (+10.91%)	$557,922 (-) Land $162,320 Building $395,602
2022	$4,603.00	$557,922 Land $162,320 Building $395,602

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
Flood Insurance Cost	Premium on Record median of 20 policies
Nearby Flood Policies	20 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

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

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

May also be available: Sebago Fiber & Wifi.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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