Cumberland County and Harpswell Town property record for 26 Elden Point Rd, Bailey Island, ME 04003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5.5 ba · 3,774 sqft · built 1980 |
| Lot Size | 0.64 acres (27,878 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $15,477 (2025) |
| Deeds & Mortgages | Apr 2021 Refinance Feb 2023 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | HARP M:020 L:022 |
| Primary APN | HARP M:020 L:022 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 3,774 sqft Living Area |
| Gross Area | 10,876 sqft |
| 1st Floor Area | 592 sqft |
| Basement Area | 512 sqft |
| Unfinished Basement | 936 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 27,878 sqft (0.64 acres) |
| Deck Area | Deck Area |
| Boat Access | Boat Access |
| Heating System | Radiant |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1678 |
|---|---|
| Street Address | 26 ELDEN POINT RD |
| City | BAILEY ISLAND |
| State | ME |
| Zip | 04003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CF |
| Legal Lot Number | 22 |
| Jurisdiction | HARPSWELL ME |
| Township / Civil Division | HARPSWELL |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 17102 |
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 Company Names on Record |
|---|---|
| Mailing Address | 26 ELDEN POINT RD, BAILEY ISLAND, ME 04003 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Date | Document |
|---|---|
| Apr 28, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance EMBRACE HOME LOANS INC |
| Feb 21, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance BATH SAVINGS INSTITUTION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 22, 2015 |
| Deed Sale | Dec 22, 2015 |
| Deed Book / Page | 32811 / 174 |
| Last Transfer Date | Oct 9, 2024 |
| Transfer Doc | 0000038264 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARPSWELL ME |
| Property Address | 26 ELDEN POINT RD, BAILEY ISLAND, ME 04003 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0381270203 |
|---|---|
| Date | Apr 28, 2021 |
| Book Page | 38127/203 |
| Instrument | 30418 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARPSWELL ME |
| Property Address | 26 ELDEN POINT RD, BAILEY ISLAND, ME 04003 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0399940331 |
|---|---|
| Date | Feb 21, 2023 |
| Book Page | 39994/331 |
| Instrument | 5318 |
| Name | BATH SAVINGS INSTITUTION |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Mar 1, 2048 |
Source: Cumberland County and Harpswell Town assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Cumberland County |
| County Subdivision | Harpswell Town |
| Unified School District | School Administrative District 75 (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $15,477.00 (+4.72%) | $2,323,800 (-) Land $506,600 Building $1,817,200 |
| 2024 | $14,779.00 (+14.58%) | $2,323,800 (+9.9%) Land $506,600 Building $1,817,200 |
| 2023 | $12,898.00 (+183.85%) | $2,114,500 (+174.54%) Land $506,600 Building $1,607,900 |
| 2022 | $4,544.00 | $770,200 Land $506,600 Building $263,600 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 Record median of 32 individual policies |
| Nearby Flood Policies | 34 units insured incl. 2 condo units |
| Nearby Flood Claims | 11 (1990–2024) |
| Claims Outside the SFHA | 1 of 11 |
| Most Recent Claim | Jan 2024 · Severe Storms And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 98.5% of Maine |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 45 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 |
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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