258 Gun Point Rd, Harpswell, ME 04079 Property Records

Cumberland County and Harpswell Town property record for 258 Gun Point Rd, Harpswell, ME 04079

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,780 sqft · built 2022
Lot Size	1.14 acres (49,658 sqft)
Owner	Company Name on File
Last Sale	$2,250,000 (Dec 2025)
Tax Bill	$7,632 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HARP M:038 L:042`

Property Details

APN / Parcel Number

Primary APN	`HARP M:038 L:042`
Alternative APN	`2915`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,780 sqft Living Area
Gross Area	7,068 sqft
1st Floor Area	1,780 sqft
Attic	Attic
Attic Area	360 sqft
Basement Area	1,474 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	49,658 sqft (1.14 acres)
Garage Type	Attached
Deck Area	Deck Area
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	2915
Street Address	258 GUN POINT RD
City	HARPSWELL
State	ME
Zip	04079-3937
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CF1
Legal Lot Number	42
Jurisdiction	HARPSWELL ME
Township / Civil Division	HARPSWELL
Census Block Group	3
Census Block	3011
Census Tract	17102

Owner

258 Gun Point Rd is owned by a company that bought it in December 2025.

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

Owner of Record	Company Name on File
Mailing Address	258 GUN POINT RD, HARPSWELL, ME 04079-3937
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
Apr 1, 2022	Deed of Trust, Mortgage · ARM BATH SAVINGS INSTITUTION
Dec 22, 2025	Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2025 · Amount on File
Deed Sale	Dec 22, 2025 · Amount on File
Deed Book / Page	41951 / 126
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	258 GUN POINT RD, HARPSWELL, ME 04079-3937
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0393080023
Date	Apr 1, 2022
Book Page	39308/23
Instrument	17614

Lender

Name	BATH SAVINGS INSTITUTION
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.88%
Type Change Date	Apr 1, 2032
Index	1-Year CMT

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARPSWELL ME
Recording Date	Dec 22, 2025
Property Address	258 GUN POINT RD, HARPSWELL, ME 04079-3937
Document Number	0419510126
Book / Page	41951 / 126
Instrument Date	Dec 19, 2025
Instrument	52889
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052890
Date	Dec 22, 2025
Instrument	52890

Lender

Name	MORGAN STANLEY PRIVATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.05%
Type Change Date	Jan 1, 2033
Index	Other
Margin	3

Tax Assessment & Valuation

The 2025 property tax bill for 258 Gun Point Rd was $7,632, up 4.7% 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	$7,632.00 (+4.72%)	$1,145,900 (-) Land $378,700 Building $767,200
2024	$7,288.00 (+10.81%)	$1,145,900 (+6.28%) Land $378,700 Building $767,200
2023	$6,577.00 (+80.89%)	$1,078,200 (+74.95%) Land $378,700 Building $699,500
2022	$3,636.00	$616,300 Land $377,600 Building $238,700

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 258 Gun Point 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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	2 (2007)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal Flooding
Claims by Event	Severe Storms And Inland And Coastal Flooding, Apr 2007 · 2 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 258 Gun Point 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 94% of the US · lower than 96% of Maine
Wildfire Likelihood	Under 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 65 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

Cell Coverage

5G (outdoors only) and 4G LTE

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