24 Wharf Rd, Harpswell, ME 04079 Property Records

Cumberland County and Harpswell Town property record for 24 Wharf Rd, Harpswell, ME 04079

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,531 sqft · built 2009
Lot Size	0.85 acres (37,026 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,175 (2025)
Flood Zone	Zone X (minimal risk)
APN	`HARP M:005 L:091`

Property Details

APN / Parcel Number

Primary APN	`HARP M:005 L:091`
Alternative APN	`205`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,531 sqft Living Area
Gross Area	6,192 sqft
1st Floor Area	1,532 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,026 sqft (0.85 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	205
Street Address	24 WHARF RD
City	HARPSWELL
State	ME
Zip	04079-2832
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Lot Number	91
Jurisdiction	HARPSWELL ME
Township / Civil Division	HARPSWELL
Census Block Group	1
Census Block	1007
Census Tract	17101

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Dunning, Deacon Andrew, House listed 1999 · 3 contributing resources · NRIS 99001188

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Cumberland County and Harpswell Town records, as of July 30, 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 Record
Mailing Address	24 WHARF RD, HARPSWELL, ME 04079-2832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

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	$3,175.00 (+4.72%)	$476,800 (-) Land $102,900 Building $373,900
2024	$3,032.00 (+4.26%)	$476,800 (-) Land $102,900 Building $373,900
2023	$2,908.00 (+3.38%)	$476,800 (-) Land $102,900 Building $373,900
2022	$2,813.00	$476,800 Land $102,900 Building $373,900

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2025

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 31 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
T-Mobile Fixed Wireless	100 / 20