28 Shore Rd, Naples, ME 04055 Property Records

Cumberland County and Sebago Town property record for 28 Shore Rd, Naples, ME 04055

Property Summary

Property Type	Single Family Home
Details	600 sqft · built 2023
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Individual Names on File
Last Sale	$239,300 (Aug 2025)
Tax Bill	$1,887 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Sep 2023 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NAPL M:U44 L:0026 S:000C`

Property Details

APN / Parcel Number

Primary APN	`NAPL M:U44 L:0026 S:000C`
Alternative APN	`4440`

Interior

Building Area	600 sqft Total Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	44,431 sqft (1.02 acres)

Location & Zoning

Account Number	4440
Street Address	28 SHORE RD
City	NAPLES
State	ME
Zip	04055-5675
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	26
Jurisdiction	NAPLES ME
Township / Civil Division	SEBAGO
Census Block Group	2
Census Block	2005
Census Tract	16500

Owner

28 Shore Rd is owned and occupied by two individuals who bought it in August 2025.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	28 SHORE RD, NAPLES, ME 04055-5675
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2022	Deed of Trust, Mortgage · ARM GORHAM SAVINGS BANK
Sep 22, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance EVERGREEN CU
Aug 28, 2025	Quit Claim Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2025 · Amount on File
Deed Sale	Aug 28, 2025 · Amount on File
Deed Document Number	202534495
Deed Book / Page	41684 / 254
Prior Transfer Date	Aug 18, 2025
Prior Transfer Doc	0416840254
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPLES ME
Property Address	28 SHORE RD, NAPLES, ME 04055-5675
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0392950172
Date	Mar 29, 2022
Book Page	39295/172
Instrument	16802

Lender

Name	GORHAM SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2042

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Apr 1, 2025
Index	1-Year CMT
Margin	3

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPLES ME
Property Address	28 SHORE RD, NAPLES, ME 04055-5675
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0403760281
Date	Sep 22, 2023
Book Page	40376/281
Instrument	34067

Lender

Name	EVERGREEN CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NAPLES ME
Recording Date	Aug 28, 2025
Property Address	28 SHORE RD, NAPLES, ME 04055-5675
Document Number	0416840254
Book / Page	41684 / 254
Instrument Date	Aug 18, 2025
Instrument	34495
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	28 SHORE RD, NAPLES, ME 04055-5675

Mortgage

Document Number	0000034496
Date	Aug 28, 2025
Instrument	34496

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 28 Shore Rd was $1,887.

Source: Cumberland County and Sebago Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Sebago Town
Unified School District	Sebago Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$1,887.00	$198,634 Land $70,080 Building $128,554
2023	$1,818.00 (+449.24%)	$198,634 (+395.59%) Land $70,080 Building $128,554
2022	$331.00	$40,080 Land $40,080

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 28 Shore Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.

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	6 in force
Nearby Flood Claims	1 (2007)
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal 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 28 Shore Rd 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 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sebago Fiber & WiFi Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Shore Rd

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