26 Hemlock Ln, Gray, ME 04039 Property Records

Cumberland County and Gray Town property record for 26 Hemlock Ln, Gray, ME 04039

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,476 sqft · built 1975
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$495,000 (Jul 2022)
Tax Bill	$4,234 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Jul 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GRAY M:042 B:013 L:008-000`

Property Details

APN / Parcel Number

Primary APN	`GRAY M:042 B:013 L:008-000`
Alternative APNs	`013008000000` `514`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,476 sqft Living Area
Basement Area	852 sqft
Unfinished Basement	700 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Raised Ranch
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	514
Street Address	26 HEMLOCK LN
City	GRAY
State	ME
Zip	04039-9626
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	RIDGE VIEW FRST
Legal Block	13
Legal Lot Number	8-0
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	2
Census Block	2004
Census Tract	4701

Owner

26 Hemlock Ln is owned and occupied by two individuals who bought it in July 2022.

Source: Cumberland County and Gray Town records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	26 HEMLOCK LN, GRAY, ME 04039-9626
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Feb 2, 2023	Deed of Trust, Mortgage · Stand-Alone First Mortgage MORTGAGE RESEARCH CENTER LLC
Jul 29, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 16, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP
May 14, 2018	Warranty Deed, Transfer STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2022 · Amount on File
Deed Sale	Jul 29, 2022 · Amount on File
Prior Sale	May 14, 2018 · Amount on File
Deed Book / Page	39611 / 317
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	26 HEMLOCK LN, GRAY, ME 04039-9626
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0399710307
Date	Feb 2, 2023
Book Page	39971/307
Instrument	3532

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	349 Months
Due	Mar 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAY ME
Recording Date	Jul 29, 2022
Property Address	26 HEMLOCK LN, GRAY, ME 04039-9626
Document Number	0396110317
Book / Page	39611 / 317
Instrument Date	Jul 27, 2022
Instrument	38887
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount 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
Relationship	Joint Tenants with Right of Survivorship
Address	8506 FLYING BUTTRESS DR, RALEIGH, NC 27613-7392
Investor	Possibly a Property Investor

Mortgage

Document Number	0000038888
Date	Jul 29, 2022
Instrument	38888

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	26 HEMLOCK LN, GRAY, ME 04039-9626
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0368130039
Date	Jun 16, 2020
Book Page	36813/39
Instrument	32181

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAY ME
Recording Date	May 14, 2018
Property Address	26 HEMLOCK LN, GRAY, ME 04039-9626
Document Number	0348350246
Book / Page	034835 / 000246
Instrument Date	May 11, 2018
Instrument	21350
Transaction Type	Transfer
Record Updated	Jan 12, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	26 HEMLOCK LN GRAY ME 040399626, GRAY, ME 04039-9626

Mortgage

Document Number	348350249
Date	May 14, 2018
Book Page	034835/000249
Instrument	21351

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 13, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 26 Hemlock Ln was $4,234, down 0.2% from the year before.

Source: Cumberland County and Gray Town assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Gray Town
Unified School District	School Administrative District 15 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,234.00 (-0.21%)	$437,400 (-) Land $138,600 Building $298,800
2024	$4,243.00 (-3.52%)	$437,400 (+50.98%) Land $138,600 Building $298,800
2023	$4,398.00 (+8.83%)	$289,700 (-) Land $70,500 Building $219,200
2022	$4,041.00	$289,700 Land $70,500 Building $219,200

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

Flood

FEMA maps place 26 Hemlock Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2002.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2002)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2002 · river or lake flooding

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 26 Hemlock Ln 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

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