Penobscot County and Bangor City property record for 296 Howard St, Bangor, ME 04401
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,164 sqft · built 1969 |
| Lot Size | 0.67 acres (29,185 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $8,455 (2025) |
| Deeds & Mortgages | Mar 2022 Refinance Mar 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | BANG M:051 L:095 |
| Primary APN | BANG M:051 L:095 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,164 sqft Living Area |
| Basement Area | 2,164 sqft |
| Unfinished Basement | 2,164 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Material | Asphalt |
| Lot Area | 29,185 sqft (0.67 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|
| Account Number | 1076 |
|---|---|
| Street Address | 296 HOWARD ST |
| City | BANGOR |
| State | ME |
| Zip | 04401-4175 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URD1 |
| Legal Subdivision | STILL WATER PK |
| Legal Lot Number | 95 |
| Jurisdiction | BANGOR ME |
| Township / Civil Division | BANGOR |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 300 |
Source: Penobscot County and Bangor City 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 296 HOWARD ST, BANGOR, ME 04401-4175 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 2, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ACADIA FEDERAL CREDIT UNION |
| Mar 2, 2022 | Deed of Trust, Mortgage · Line of Credit ACADIA FEDERAL CREDIT UNION |
| Apr 24, 2020 | Deed of Trust, Mortgage · Line of Credit KEYBANK USA |
| May 3, 2018 | Deed of Trust, Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANGOR ME |
| Property Address | 296 HOWARD ST, BANGOR, ME 04401-4175 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0163990243 |
|---|---|
| Date | Mar 2, 2022 |
| Book Page | 16399/243 |
| Instrument | 5864 |
| Name | ACADIA FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANGOR ME |
| Property Address | 296 HOWARD ST, BANGOR, ME 04401-4175 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0163990261 |
|---|---|
| Date | Mar 2, 2022 |
| Book Page | 16399/261 |
| Instrument | 5865 |
| Name | ACADIA FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANGOR ME |
| Property Address | 296 HOWARD ST, BANGOR, ME 04401-4175 |
| Document Number | 0155160303 |
| Instrument Date | Apr 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 29, 2020 |
| Title Company | SOLIDIFI TITLE |
| Name | Verified Name |
|---|---|
| Address | 296 HOWARD ST BANGOR ME 044014175, BANGOR, ME 04401-4175 |
| Document Number | 0155160303 |
|---|---|
| Date | May 5, 2020 |
| Book Page | 015516/000303 |
| Instrument | 12049 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 4, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANGOR ME |
| Property Address | 296 HOWARD ST, BANGOR, ME 04401-4175 |
| Document Number | 0148060243 |
| Instrument Date | May 3, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2018 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 296 HOWARD ST BANGOR ME 044014175, BANGOR, ME 04401-4175 |
| Document Number | 0148060243 |
|---|---|
| Date | May 10, 2018 |
| Book Page | 014806/000243 |
| Instrument | 11692 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 9, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
Source: Penobscot County and Bangor City assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Penobscot County |
| Municipality | Bangor City |
| Unified School District | Bangor (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,455.00 (+2.71%) | $477,700 (+7.64%) Land $59,700 Building $418,000 | |
| 2024 | $8,232.00 (+8.86%) | $443,800 (+12.38%) Land $56,900 Building $386,900 | $325,850 |
| 2023 | $7,562.00 (+5.39%) | $394,900 (+12.28%) Land $54,700 Building $340,200 | |
| 2022 | $7,175.00 | $351,700 Land $54,700 Building $297,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2007) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2007 · tidal / storm surge |
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BANGOR WATER DISTRICT serves 27,298 people · EPA ID ME0090110 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2024 |
| Lead | 8 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 311 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Fidium Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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