292 River Rd, Topsham, ME 04086 Property Records

Sagadahoc County and Topsham Town property record for 292 River Rd, Topsham, ME 04086

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,512 sqft · built 1991
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Tax Bill	$5,024 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`TOPM M:R01 L:034-G`

Property Details

APN / Parcel Number

Primary APN	`TOPM M:R01 L:034-G`
Alternative APNs	`M:R01 L:034=G` `153`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,512 sqft Living Area
Gross Area	2,954 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Material	Asphalt
Lot Area	217,800 sqft (5 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	153
Street Address	292 RIVER RD
City	TOPSHAM
State	ME
Zip	04086-7102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NO
Legal Lot Number	34-G
Jurisdiction	TOPSHAM ME
Township / Civil Division	TOPSHAM
Census Block Group	1
Census Block	1002
Census Tract	970301

Owner

Source: Sagadahoc County and Topsham Town records, as of July 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	292 RIVER RD, TOPSHAM, ME 04086-7102
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Deed of Trust, Mortgage ANCORUM CREDIT UNION
Sep 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE RESEARCH CENTER LLC
Jul 16, 2019	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2025
Deed Sale	Aug 26, 2025
Prior Sale	Aug 12, 2009 · Amount on Record
Deed Document Number	20252025R-04470
Deed Book / Page	2025 / 4470
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSHAM ME
Property Address	292 RIVER RD, TOPSHAM, ME 04086-7102
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005310
Date	Sep 29, 2025
Instrument	2025R-05310

Lender

Name	ANCORUM CREDIT UNION

Agreement

Amount	Amount Recorded

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSHAM ME
Property Address	292 RIVER RD, TOPSHAM, ME 04086-7102
Transaction Type	Mortgage
Record Updated	Oct 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7976
Date	Sep 15, 2021
Instrument	2021R-07976

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSHAM ME
Property Address	292 RIVER RD, TOPSHAM, ME 04086-7102
Document Number	0000004488
Instrument Date	Jul 16, 2019
Transaction Type	Mortgage
Record Updated	Aug 6, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	292 RIVER RD TOPSHAM ME 040867102, TOPSHAM, ME 04086-7102

Mortgage

Document Number	0000004488
Date	Jul 26, 2019
Instrument	4488

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2049

Tax Assessment & Valuation

Source: Sagadahoc County and Topsham Town assessment roll, as of July 30, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$5,024.00 (+4.04%)	$392,500 (+10.38%) Land $82,000 Building $310,500
2023	$4,829.00 (+15.03%)	$355,600 (+22.16%) Land $74,100 Building $281,500
2022	$4,198.00	$291,100 Land $67,900 Building $223,200

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

Flood

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1987)
Most Recent Claim	Apr 1987 · Severe Storms & 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

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

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on River Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures