278 Harmons Beach Rd, Standish, ME 04084 Property Records

Cumberland County and Standish Town property record for 278 Harmons Beach Rd, Standish, ME 04084

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 924 sqft · built 1960
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$157,500 (Oct 2016)
Tax Bill	$6,702 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Jul 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`STAN M:43 L:31`

Property Details

APN / Parcel Number

Primary APN	`STAN M:43 L:31`
Alternative APN	`D0263R`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	924 sqft Living Area
Gross Area	1,584 sqft
1st Floor Area	528 sqft
Basement Area	528 sqft
Unfinished Basement	528 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Cape Cod
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Deck Area	Deck Area
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	D0263R
Street Address	278 HARMONS BEACH RD
City	STANDISH
State	ME
Zip	04084-5625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Lot Number	31
Jurisdiction	STANDISH ME
Township / Civil Division	STANDISH
Census Block Group	2
Census Block	2000
Census Tract	17002

Owner

Source: Cumberland County and Standish Town records, as of May 21, 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	278 HARMONS BEACH RD, STANDISH, ME 04084-5625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · Line of Credit EVERGREEN CU
Jul 7, 2020	Deed of Trust, Mortgage EVERGREEN CU
Dec 27, 2018	Deed of Trust, Mortgage · Line of Credit EVERGREEN CU
Jul 2, 2018	Deed of Trust, Mortgage · Line of Credit EVERGREEN CU
Mar 14, 2018	Deed of Trust, Mortgage EVERGREEN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2016 · Amount on Record
Deed Sale	Oct 19, 2016 · Amount on Record
Deed Document Number	201655593
Deed Book / Page	33532 / 309
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANDISH ME
Property Address	278 HARMONS BEACH RD, STANDISH, ME 04084-5625
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0389280206
Date	Nov 29, 2021
Book Page	38928/206
Instrument	84070

Lender

Name	EVERGREEN CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANDISH ME
Property Address	278 HARMONS BEACH RD, STANDISH, ME 04084-5625
Document Number	0369170203
Instrument Date	Jul 7, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	278 HARMONS BEACH RD STANDISH ME 040845625, STANDISH, ME 04084-5625

Mortgage

Document Number	0369170203
Date	Jul 13, 2020
Book Page	036917/000203
Instrument	38786

Lender

Name	EVERGREEN CU
Type	Credit Union
Address	PORTLAND, ME 04103

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 12, 2035

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANDISH ME
Property Address	278 HARMONS BEACH RD, STANDISH, ME 04084-5625
Document Number	0354030170
Instrument Date	Dec 27, 2018
Transaction Type	Mortgage
Record Updated	Feb 8, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 HARMONS BEACH RD STANDISH ME 040845625, STANDISH, ME 04084-5625

Mortgage

Document Number	0354030170
Date	Jan 11, 2019
Book Page	035403/000170
Instrument	1387

Lender

Name	EVERGREEN CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANDISH ME
Property Address	278 HARMONS BEACH RD, STANDISH, ME 04084-5625
Document Number	0349820035
Instrument Date	Jul 2, 2018
Transaction Type	Mortgage
Record Updated	Jul 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 HARMONS BEACH RD STANDISH ME 040845625, STANDISH, ME 04084-5625

Mortgage

Document Number	0349820035
Date	Jul 11, 2018
Book Page	034982/000035
Instrument	32857

Lender

Name	EVERGREEN CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANDISH ME
Property Address	278 HARMONS BEACH RD, STANDISH, ME 04084-5625
Document Number	0347360336
Instrument Date	Mar 14, 2018
Transaction Type	Mortgage
Record Updated	Apr 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 HARMONS BEACH RD STANDISH ME 040845625, STANDISH, ME 04084-5625

Mortgage

Document Number	0347360336
Date	Mar 28, 2018
Book Page	034736/000336
Instrument	13758

Lender

Name	EVERGREEN CU
Type	Credit Union

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Standish Town
Unified School District	School Administrative District 06 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$6,702.00 (+2.6%)	$540,500 (+4.26%) Land $172,500 Building $368,000
2024	$6,532.00 (+11.6%)	$518,400 (+22.67%) Land $159,600 Building $358,800
2023	$5,853.00 (+14%)	$422,600 (+18.94%) Land $120,700 Building $301,900
2022	$5,134.00	$355,300 Land $97,200 Building $258,100

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	4 (1998–2010)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Feb 2010 · Severe Winter Storm

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 49 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE only, no 5G reported

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