281 South St, Gorham, ME 04038 Property Records

Cumberland County and Gorham Town property record for 281 South St, Gorham, ME 04038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,032 sqft · built 1960
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Last Sale	$288,700 (Mar 2019)
Tax Bill	$4,135 (2025)
Deeds & Mortgages	Jan 2021 Refinance Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-0005`

Property Details

APN / Parcel Number

Primary APN	`21-0005`
Alternative APN	`GRHM M:021 B:005 L:000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,032 sqft Living Area
Gross Area	3,572 sqft
1st Floor Area	1,504 sqft
Basement Area	976 sqft
Unfinished Basement	976 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	65,340 sqft (1.5 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	21-0005
Street Address	281 SOUTH ST
City	GORHAM
State	ME
Zip	04038-1938
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Block	5
Jurisdiction	GORHAM ME
Township / Civil Division	GORHAM
Census Block Group	3
Census Block	3018
Census Tract	4002

Owner

281 South St is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	281 SOUTH ST, GORHAM, ME 04038-1938
Occupancy	Owner Occupied
Owner Type	Individual

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 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Mar 1, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2019 · Amount on File
Deed Sale	Mar 1, 2019 · Amount on File
Prior Sale	Nov 9, 2016 · Amount on File
Deed Document Number	20198419
Deed Book / Page	35490 / 344
Transfer Doc	0335950046
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GORHAM ME
Property Address	281 SOUTH ST, GORHAM, ME 04038-1938
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0376950280
Date	Jan 15, 2021
Book Page	37695/280
Instrument	3301

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	337 Months
Due	Feb 1, 2049

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GORHAM ME
Recording Date	Mar 1, 2019
Property Address	281 SOUTH ST, GORHAM, ME 04038-1938
Document Number	0354900344
Book / Page	35490 / 344
Instrument Date	Feb 27, 2019
Instrument	8419
Transaction Type	Transfer
Record Updated	Feb 3, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 TODD LN, S PORTLAND, ME 04106-1602

Mortgage

Document Number	0000008420
Date	Mar 1, 2019
Instrument	8420

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 281 South St was $4,135, up 0.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,135.00 (+0.68%)	$279,400 (-) Land $75,900 Building $203,500
2024	$4,107.00	$279,400 Land $75,900 Building $203,500
2022	$3,590.00	$279,400 Land $75,900 Building $203,500

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

Flood

FEMA maps place 281 South St in Zone X, an area of minimal flood risk.

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	3 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 281 South 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	PORTLAND WATER DISTRICT-GREATER serves 135,068 people · EPA ID ME0091300
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	2 ppb (2024–2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 88 locations within half a mile, as of December 31, 2025

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

May also be available: Fidium Fiber, GoNetspeed.

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