28 Oak Dr, Gray, ME 04039 Property Records

Cumberland County and Gray Town property record for 28 Oak Dr, Gray, ME 04039

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,589 sqft · built 2001
Lot Size	3.52 acres (153,331 sqft)
Owner	2 Individual Names on File
Last Sale	$683,000 (Dec 2025)
Tax Bill	$6,269 (2025)
Deeds & Mortgages	Dec 2025 Sale Oct 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0033B 000000`

Property Details

APN / Parcel Number

Primary APN	`0033B 000000`
Alternative APNs	`GRAY M:018 B:003 L:003-002` `68`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,589 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	153,331 sqft (3.52 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	68
Street Address	28 OAK DR
City	GRAY
State	ME
Zip	04039-6622
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Subdivision	DOUGHTY PROPERTY
Legal Block	3
Legal Lot Number	3-2
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	3
Census Block	3007
Census Tract	4701

Owner

28 Oak Dr is owned by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	23 PORCUPINE RIDGE WAY, CUMBERLAND CENTER, ME 04021-3511
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
Dec 8, 2025	Warranty Deed, Transfer
Oct 28, 2021	Deed of Trust, Mortgage · Line of Credit CUMBERLAND COUNTY FCU
Sep 28, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2025 · Amount on File
Deed Sale	Dec 8, 2025 · Amount on File
Deed Book / Page	41918 / 311
Record Updated	Sep 20, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAY ME
Recording Date	Dec 8, 2025
Property Address	28 OAK DR, GRAY, ME 04039-6622
Document Number	0419180311
Book / Page	41918 / 311
Instrument Date	Dec 5, 2025
Instrument	50774
Transaction Type	Transfer
Record Updated	Dec 24, 2025

Transaction

Amount	Amount 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
Address	23 PORCUPINE RIDGE WAY, CUMBERLAND, ME 04021-3511

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	28 OAK DR, GRAY, ME 04039-6622
Transaction Type	Mortgage
Record Updated	Nov 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0388280281
Date	Oct 28, 2021
Book Page	38828/281
Instrument	77654

Lender

Name	CUMBERLAND COUNTY FCU

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAY ME
Recording Date	Sep 28, 2020
Property Address	28 OAK DR, GRAY, ME 04039-6622
Document Number	0372340077
Book / Page	037234 / 000077
Instrument Date	Sep 24, 2020
Instrument	61290
Transaction Type	Transfer
Record Updated	Oct 19, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5 FIELDMONT RD BELMONT MA 024782606, BELMONT, MA 02478-2606

Tax Assessment & Valuation

The 2025 property tax bill for 28 Oak Dr was $6,269.

Source: Cumberland County and Gray Town assessment roll, as of July 30, 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	$6,269.00	$647,600 Land $135,100 Building $512,500
2023	$6,172.00 (+8.82%)	$406,600 (-) Land $75,000 Building $331,600
2022	$5,672.00	$406,600 Land $75,000 Building $331,600

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

Flood

FEMA maps place 28 Oak Dr 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 Oak Dr 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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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