286 Main Rd, Milford, ME 04461 Property Records

Penobscot County and Milford Town property record for 286 Main Rd, Milford, ME 04461

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,992 sqft · built 1990
Lot Size	0.56 acres (24,394 sqft)
Owner	Individual Name on File
Last Sale	$292,300 (Apr 2022)
Tax Bill	$4,381 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MILD M:027 B:008-B`

Property Details

APN / Parcel Number

Primary APN	`MILD M:027 B:008-B`
Alternative APNs	`M:027 B:008=B` `1707`

Interior

Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	1,992 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	24,394 sqft (0.56 acres)

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	1707
Street Address	286 MAIN RD
City	MILFORD
State	ME
Zip	04461-3242
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	14 RIV
Legal Block	8-B
Jurisdiction	MILFORD ME
Township / Civil Division	MILFORD
Census Block Group	3
Census Block	3032
Census Tract	8001

Owner

286 Main Rd is owned and occupied by an individual who bought it in April 2022.

Source: Penobscot County and Milford Town records, as of May 22, 2026

Owner of Record	Individual Name on File
Mailing Address	286 MAIN RD, MILFORD, ME 04461-3242
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
Apr 13, 2022	Warranty Deed, Transfer · FHA Mortgage LEADERONE FINANCIAL
Jun 1, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC
Nov 22, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2022 · Amount on File
Deed Sale	Apr 13, 2022 · Amount on File
Prior Sale	Nov 22, 2017
Deed Document Number	20229819
Deed Book / Page	16444 / 316
Record Updated	Sep 20, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILFORD ME
Recording Date	Apr 13, 2022
Property Address	286 MAIN RD, MILFORD, ME 04461-3242
Document Number	0164440316
Book / Page	16444 / 316
Instrument Date	Apr 12, 2022
Instrument	9819
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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
Address	157 BOLLING DR, BANGOR, ME 04401-2808

Mortgage

Document Number	0000009820
Date	Apr 13, 2022
Instrument	9820

Lender

Name	LEADERONE FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount on Record

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILFORD ME
Property Address	286 MAIN RD, MILFORD, ME 04461-3242
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0155450329
Date	Jun 1, 2020
Book Page	15545/329
Instrument	14618

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILFORD ME
Recording Date	Nov 22, 2017
Property Address	286 MAIN RD, MILFORD, ME 04461-3242
Document Number	0146770105
Book / Page	14677 / 0105
Instrument	000000036891
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

Tax Assessment & Valuation

The 2025 property tax bill for 286 Main Rd was $4,381, up 11.9% from the year before.

Source: Penobscot County and Milford Town assessment roll, as of May 22, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Penobscot County
County Subdivision	Milford Town
Unified School District	Milford (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,381.00 (+11.87%)	$178,000 (-) Land $45,300 Building $132,700
2024	$3,916.00	$178,000 Land $45,300 Building $132,700
2023			$329,650
2022	$3,204.00	$178,000 Land $45,300 Building $132,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 286 Main Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 7, 2024 · 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	26 (1979–2008)
Claims Outside the SFHA	4 of 26
Most Recent Claim	May 2008 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2008 · 6 claims Severe Storms & Flooding, Apr 1987 · 4 claims

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 286 Main 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.

Drinking Water

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

Water System	OLD TOWN WATER DISTRICT serves 7,648 people · EPA ID ME0091200
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	8 ppb (2026) action level 15 ppb
Copper	1.4 mg/L (2025) action level 1.3 mg/L

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

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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