295 Bay Rd, Bowdoinham, ME 04008 Property Records

Sagadahoc County and Bowdoinham Town property record for 295 Bay Rd, Bowdoinham, ME 04008

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,167 sqft · built 1956
Lot Size	4.12 acres (179,467 sqft)
Owner	2 Individual Names on File
Last Sale	$274,100 (Nov 2019)
Tax Bill	$5,415 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`BOWN M:R09 L:037`

Property Details

APN / Parcel Number

Primary APN	`BOWN M:R09 L:037`
Alternative APN	`807`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,167 sqft Living Area

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Lot Area	179,467 sqft (4.12 acres)

Location & Zoning

Account Number	807
Street Address	295 BAY RD
City	BOWDOINHAM
State	ME
Zip	04008-4004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	37
Jurisdiction	BOWDOINHAM ME
Township / Civil Division	BOWDOINHAM
Census Block Group	1
Census Block	1047
Census Tract	970200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Arnold Trail to Quebec listed 1969 · 1 contributing resources · NRIS 69000018

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

295 Bay Rd is owned and occupied by two individuals who bought it in November 2019.

Source: Sagadahoc County and Bowdoinham Town records, as of May 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	295 BAY RD, BOWDOINHAM, ME 04008-4004
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
Nov 8, 2019	Grant Deed, Transfer · VA Mortgage CAMDEN NAT'L BK
Nov 6, 2019	Deed of Trust, Mortgage · VA Mortgage CAMDEN NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2019 · Amount on File
Deed Sale	Nov 8, 2019 · Amount on File
Deed Document Number	20197749
Record Updated	Jun 8, 2026

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BOWDOINHAM ME
Recording Date	Nov 8, 2019
Property Address	295 BAY RD, BOWDOINHAM, ME 04008-4004
Document Number	0000007749
Instrument Date	Nov 6, 2019
Instrument	7749
Transaction Type	Transfer
Record Updated	Nov 28, 2019
Title Company	GATEWAY TITLE/ME

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	295 BAY RD BOWDOINHAM ME 040084004, BOWDOINHAM, ME 04008-4004

Mortgage

Document Number	7750
Date	Nov 8, 2019
Instrument	7750

Lender

Name	CAMDEN NAT'L BK
Type	Bank
Address	ROCKPORT, ME 04856

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 7, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Property Address	295 BAY RD, BOWDOINHAM, ME 04008-4004
Document Number	0000007750
Instrument Date	Nov 6, 2019
Transaction Type	Mortgage
Record Updated	Nov 21, 2019
Title Company	GATEWAY TITLE/ME

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	295 BAY RD BOWDOINHAM ME 040084004, BOWDOINHAM, ME 04008-4004

Mortgage

Document Number	0000007750
Date	Nov 8, 2019
Instrument	7750

Lender

Name	CAMDEN NAT'L BK
Type	Bank
Address	ROCKPORT, ME 04856

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 7, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 295 Bay Rd was $5,415, up 5.3% from the year before.

Source: Sagadahoc County and Bowdoinham Town assessment roll, as of May 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$5,415.00 (+5.29%)	$244,900 (-) Land $74,300 Building $170,600
2024	$5,143.00 (+7.68%)	$244,900 (-) Land $74,300 Building $170,600
2023	$4,776.00 (+31.43%)	$244,900 (+21.9%) Land $74,300 Building $170,600
2022	$3,634.00	$200,900 Land $61,900 Building $139,000

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

Flood

FEMA maps place 295 Bay Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1982.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1982–2012)
Most Recent Claim	Jun 2012 · rainfall accumulation

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 295 Bay 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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