245 River Rd, Naples, ME 04055 Property Records

Cumberland County and Naples Town property record for 245 River Rd, Naples, ME 04055 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	1,764 sqft
Lot Size	1.54 acres (67,082 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Apr 2011)
Tax Bill	$3,672 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Apr 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`NAPL M:R11 L:75 S:A`

Property Details

APN / Parcel Number

Primary APN	`NAPL M:R11 L:75 S:A`
Alternative APNs	`NAPL M:R11 L:0075 S:000A` `3586`

Interior

Stories	1 Story
Building Area	1,764 sqft Total Area

Exterior

Lot Area	67,082 sqft (1.54 acres)

Location & Zoning

Account Number	3586
Old Parcel Number	NAPL M:R11 L:0075 S:000A
Street Address	245 RIVER RD
City	NAPLES
State	ME
Zip	04055-5137
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	75
Jurisdiction	NAPLES ME
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2003
Census Tract	14001

Owner

Source: Cumberland County and Naples Town records · APN NAPL M:R11 L:75 S:A

Assessment roll updated July 30, 2026 · Last verified August 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 File
Mailing Address	245 RIVER RD, NAPLES, ME 04055-5137
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jul 01, 2026	Deed of Trust, Mortgage · Line of Credit CUMBERLAND COUNTY FEDERAL CREDIT UNION
Apr 27, 2026	Quit Claim Deed, Transfer Quitclaim
Apr 01, 2026	Deed of Trust, Mortgage · Line of Credit CUMBERLAND COUNTY FEDERAL CREDIT UNION
Jul 17, 2020	Deed of Trust, Mortgage · Balloon Mortgage CUMBERLAND COUNTY FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 07, 2011 · Amount on Record
Deed Sale	Apr 07, 2011 · Amount on Record
Prior Sale	Mar 14, 2007 · Amount on Record
Deed Book / Page	28628 / 310
Last Transfer Date	Jan 19, 2021
Transfer Doc	0000006849
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPLES ME
Recording Date	Jul 01, 2026
Property Address	245 RIVER RD, NAPLES, ME 04055-5137
Document Number	0000027186
Book / Page	42370 / 48
Instrument Date	Jun 22, 2026
Instrument	202627186
Transaction Type	Mortgage
Record Updated	Jul 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 RIVER RD, NAPLES, ME 04055-5137

Mortgage

Document Number	0000027186,
Date	Jul 01, 2026
Book Page	42370/48
Instrument	202627186

Lender

Name	CUMBERLAND COUNTY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 01, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.51%
Initial Type	Adjustable Rate
Max Rate	-1%

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NAPLES ME
Recording Date	Apr 27, 2026
Property Address	245 RIVER RD, NAPLES, ME 04055-5137
Document Number	0422070014
Book / Page	42207 / 14
Instrument Date	Apr 27, 2026
Instrument	202615983
Transaction Type	Transfer
Record Updated	Jul 30, 2026

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 RIVER RD, NAPLES, ME 04055-5137
Investor	Possibly a Property Investor

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPLES ME
Recording Date	Apr 01, 2026
Property Address	245 RIVER RD, NAPLES, ME 04055-5137
Document Number	0421510173
Book / Page	42151 / 173
Instrument Date	Mar 20, 2026
Instrument	202612296
Transaction Type	Mortgage
Record Updated	Jul 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 RIVER RD, NAPLES, ME 04055-5137

Mortgage

Document Number	0000012296,
Date	Apr 01, 2026
Book Page	42151/173
Instrument	202612296

Lender

Name	CUMBERLAND COUNTY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 01, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.01%
Initial Type	Adjustable Rate
Max Rate	-1%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPLES ME
Property Address	245 RIVER RD, NAPLES, ME 04055-5137
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0369400026
Date	Jul 17, 2020
Book Page	36940/26
Instrument	40243

Lender

Name	CUMBERLAND COUNTY FCU

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Cumberland County and Naples Town records · Assessment roll updated July 30, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value
2025	$3,672.00 (+3.82%)	$386,547 (-) Land $59,512 Building $327,035
2023	$3,537.00 (+10.91%)	$386,547 (-) Land $59,512 Building $327,035
2022	$3,189.00	$386,547 Land $59,512 Building $327,035

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cumberland County (23005C), updated June 3, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 230050140012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Policies	7 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 54% of Maine
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 36 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 50

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

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

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