232 Ash Point Rd, Harpswell, ME 04079 Property Records

Cumberland County and Harpswell Town property record for 232 Ash Point Rd, Harpswell, ME 04079

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,874 sqft · built 1863
Lot Size	0.62 acres (27,007 sqft)
Owner	Company Name on File
Last Sale	$975,000 (May 2025)
Tax Bill	$5,335 (2025)
Deeds & Mortgages	Jan 2025 Mortgage Nov 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HARP M:017 L:131`

Property Details

APN / Parcel Number

Primary APN	`HARP M:017 L:131`
Alternative APN	`1455`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,874 sqft Living Area
Gross Area	4,471 sqft
1st Floor Area	1,172 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1863
Effective Year Built	Effective 1863
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,007 sqft (0.62 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1455
Street Address	232 ASH POINT RD
City	HARPSWELL
State	ME
Zip	04079-3435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CF
Legal Lot Number	131
Jurisdiction	HARPSWELL ME
Township / Civil Division	HARPSWELL
Census Block Group	2
Census Block	2000
Census Tract	17101

Owner

232 Ash Point Rd is owned by a company that bought it in May 2025.

Source: Cumberland County and Harpswell Town records, as of July 30, 2026

Owner of Record	Company Name on File
Mailing Address	22 COLUMBIA AVE, BRUNSWICK, ME 04011-3023
Owner Type	Company
Vesting	Company

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
Jan 10, 2025	Deed of Trust, Mortgage · ARM BATH SAVINGS INSTITUTION
Nov 22, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
May 23, 2017	Deed of Trust, Mortgage · Line of Credit ATLANTIC REGIONAL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2025 · Amount on File
Deed Sale	May 23, 2025 · Amount on File
Prior Sale	Mar 5, 2014 · Amount on File
Deed Document Number	202518221
Deed Book / Page	41466 / 1
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	232 ASH POINT RD, HARPSWELL, ME 04079
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0412290168
Date	Jan 10, 2025
Book Page	41229/168
Instrument	1085

Lender

Name	BATH SAVINGS INSTITUTION
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.63%
Type Change Date	Feb 1, 2028

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARPSWELL ME
Recording Date	Nov 22, 2019
Property Address	232 ASH POINT RD, HARPSWELL, ME 04079
Document Number	0361980150
Book / Page	036198 / 000150
Instrument Date	Oct 11, 2019
Instrument	60457
Transaction Type	Transfer
Record Updated	Dec 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 269 HARPSWELL ME 040790269, HARPSWELL, ME 04079-0269

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	232 ASH POINT RD, HARPSWELL, ME 04079
Document Number	0340410251
Book / Page	034041 / 000251
Instrument Date	May 23, 2017
Transaction Type	Mortgage
Record Updated	Jul 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 ASH POINT RD HARPSWELL ME 04079, HARPSWELL, ME 04079

Mortgage

Document Number	0340410251
Date	May 31, 2017
Book Page	034041/000251
Instrument	24191

Lender

Name	ATLANTIC REGIONAL FCU
Type	Credit Union
Address	BRUNSWICK, ME 04011

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 232 Ash Point Rd was $5,335, up 10.8% 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	$5,335.00 (+10.8%)	$801,000 (+5.8%) Land $238,200 Building $562,800
2024	$4,815.00 (+10.59%)	$757,100 (+6.07%) Land $238,200 Building $518,900
2023	$4,354.00 (+3.49%)	$713,800 (+0.1%) Land $238,200 Building $475,600
2022	$4,207.00	$713,100 Land $238,200 Building $474,900

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

Flood

FEMA maps place 232 Ash Point Rd in Zone X, an area of minimal flood risk, within 100 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 VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 52 policies
Nearby Flood Policies	52 in force
Nearby Flood Claims	12 (1978–2024)
Claims Outside the SFHA	3 of 12
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jan 2024 · 3 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 232 Ash Point 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 68 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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