28 Main St, Bowdoinham, ME 04008 Property Records

Sagadahoc County and Bowdoinham Town property record for 28 Main St, Bowdoinham, ME 04008

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,120 sqft · built 1880
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$170,900 (Jun 2014)
Tax Bill	$3,661 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Nov 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`BOWN M:U01 L:085`

Property Details

APN / Parcel Number

Primary APN	`BOWN M:U01 L:085`
Alternative APN	`1056`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	5 Stories
Building Area	1,120 sqft Living Area
Gross Area	2,252 sqft
1st Floor Area	1,060 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Cape Cod
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,227 sqft (0.12 acres)

Location & Zoning

Account Number	1056
Street Address	28 MAIN ST
City	BOWDOINHAM
State	ME
Zip	04008-4424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	85
Jurisdiction	BOWDOINHAM ME
Township / Civil Division	BOWDOINHAM
Census Block Group	1
Census Block	1049
Census Tract	970200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Arnold Trail to Quebec listed 1969 · 1 contributing resources · NRIS 69000018

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

28 Main St is owned and occupied by two individuals who bought it in June 2014.

Source: Sagadahoc County and Bowdoinham Town records, as of May 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	28 MAIN ST, BOWDOINHAM, ME 04008-4424
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jan 29, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) ATLANTIC REGIONAL FCU
Nov 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ATLANTIC REGIONAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2014 · Amount on File
Deed Sale	Jun 18, 2014 · Amount on File
Deed Document Number	20143947
Deed Book / Page	3603 / 40
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Property Address	28 MAIN ST, BOWDOINHAM, ME 04008-4424
Transaction Type	Mortgage
Record Updated	Feb 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000463
Date	Jan 29, 2024
Instrument	2024R-00463

Lender

Name	ATLANTIC REGIONAL FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2039

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Property Address	28 MAIN ST, BOWDOINHAM, ME 04008-4424
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009213
Date	Nov 24, 2020
Instrument	2020R-09213

Lender

Name	ATLANTIC REGIONAL FCU
Type	Credit Union

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 28 Main St was $3,661, up 5.3% from the year before.

Source: Sagadahoc County and Bowdoinham Town assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Sagadahoc County
County Subdivision	Bowdoinham Town
Unified School District	School Administrative District 75 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,661.00 (+5.26%)	$165,600 (-) Land $29,600 Building $136,000
2024	$3,478.00 (+7.71%)	$165,600 (-) Land $29,600 Building $136,000
2023	$3,229.00 (+29.37%)	$165,600 (+2%) Land $29,600 Building $136,000
2022	$2,496.00	$138,000 Land $24,700 Building $113,300

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

Flood

FEMA maps place 28 Main St 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 April 16, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1982–2012)
Most Recent Claim	Jun 2012 · rainfall accumulation

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 28 Main St 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BOWDOINHAM WATER DISTRICT serves 738 people · EPA ID ME0090210
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

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