3 Cotton Dr, Gorham, ME 04038 Property Records

Cumberland County and Gorham Town property record for 3 Cotton Dr, Gorham, ME 04038

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,125 sqft · built 2018
Lot Size	0.93 acres (40,511 sqft)
Owner	2 Individual Names on Record
Last Sale	$393,800 (Jul 2019)
Tax Bill	$8,128 (2025)
Deeds & Mortgages	Nov 2023 Refinance Apr 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GRHM M:057 B:010 L:204`

Property Details

APN / Parcel Number

Primary APN	`GRHM M:057 B:010 L:204`
Alternative APN	`3090`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,125 sqft Living Area
Gross Area	3,822 sqft
1st Floor Area	832 sqft
Basement Area	832 sqft
Unfinished Basement	364 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,511 sqft (0.93 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	3090
Street Address	3 COTTON DR
City	GORHAM
State	ME
Zip	04038-2773
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	COTTON FARM ESTS
Legal Block	10
Legal Lot Number	204
Jurisdiction	GORHAM ME
Township / Civil Division	GORHAM
Census Block Group	1
Census Block	1012
Census Tract	4100

Owner

Source: Cumberland County and Gorham Town records, as of May 21, 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	3 COTTON DR, GORHAM, ME 04038-2773
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance UNIVERSITY CREDIT UNION
Apr 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance UNIVERSITY CREDIT UNION
Jul 8, 2020	Deed of Trust, Mortgage UNIVERSITY CU
Jul 1, 2019	Warranty Deed, Subdivision Related Transfer UNIVERSITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2019 · Amount on Record
Deed Sale	Jul 1, 2019 · Amount on Record
Deed Document Number	201928952
Deed Book / Page	35765 / 133
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GORHAM ME
Property Address	3 COTTON DR, GORHAM, ME 04038-2773
Transaction Type	Mortgage
Record Updated	Nov 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0404640195
Date	Nov 6, 2023
Book Page	40464/195
Instrument	40581

Lender

Name	UNIVERSITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GORHAM ME
Property Address	3 COTTON DR, GORHAM, ME 04038-2773
Transaction Type	Mortgage
Record Updated	Apr 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0380170001
Date	Apr 2, 2021
Book Page	38017/1
Instrument	23408

Lender

Name	UNIVERSITY CREDIT UNION

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GORHAM ME
Property Address	3 COTTON DR, GORHAM, ME 04038-2773
Document Number	0369180148
Instrument Date	Jul 8, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 COTTON DR GORHAM ME 040382773, GORHAM, ME 04038-2773

Mortgage

Document Number	0369180148
Date	Jul 13, 2020
Book Page	036918/000148
Instrument	38818

Lender

Name	UNIVERSITY CU
Type	Credit Union
Address	ORONO, ME 04473

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 12, 2035

July 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	GORHAM ME
Recording Date	Jul 1, 2019
Property Address	3 COTTON DR, GORHAM, ME 04038-2773
Document Number	0357650133
Book / Page	035765 / 000133
Instrument Date	Jul 1, 2019
Instrument	28952
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 26, 2019
Title Company	NOT AVAILABLE

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	3 COTTON DR GORHAM ME 040382773, GORHAM, ME 04038-2773

Mortgage

Document Number	357650135
Date	Jul 1, 2019
Book Page	035765/000135
Instrument	28953

Lender

Name	UNIVERSITY CU
Type	Credit Union
Address	ORONO, ME 04473

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2049

Tax Assessment & Valuation

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	$8,128.00 (+0.68%)	$549,200 (-) Land $87,300 Building $461,900
2024	$8,073.00 (+13.82%)	$549,200 (-0.51%) Land $87,300 Building $461,900
2022	$7,093.00	$552,000 Land $87,300 Building $464,700

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

Flood

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	2 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

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
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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