3 Middle St, Topsham, ME 04086 Property Records

Sagadahoc County and Topsham Town property record for 3 Middle St, Topsham, ME 04086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,674 sqft · built 1900
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,073 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Feb 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`TOPM M:U01 L:068`

Property Details

APN / Parcel Number

Primary APN	`TOPM M:U01 L:068`
Alternative APN	`1111`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,674 sqft Living Area
Gross Area	3,044 sqft
1st Floor Area	798 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1111
Street Address	3 MIDDLE ST
City	TOPSHAM
State	ME
Zip	04086-1908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NO
Legal Lot Number	68
Jurisdiction	TOPSHAM ME
Township / Civil Division	TOPSHAM
Census Block Group	1
Census Block	1015
Census Tract	970302

Owner

3 Middle St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 MIDDLE ST, TOPSHAM, ME 04086-1908
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
Dec 9, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage KENNEBEC SAVINGS BANK
Feb 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHPOINT MORTGAGE INC
Oct 9, 2019	Deed of Trust, Mortgage FIRST FED'L S&L ASSN/BATH
Aug 9, 2017	Trustee's Deed, Construction Loan · Construction Mortgage RESIDENTIAL MTG SVC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSHAM ME
Property Address	3 MIDDLE ST, TOPSHAM, ME 04086-1908
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006910
Date	Dec 9, 2025
Instrument	2025R-06910

Lender

Name	KENNEBEC SAVINGS BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	169 Months
Due	Jan 1, 2040

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSHAM ME
Property Address	3 MIDDLE ST, TOPSHAM, ME 04086-1908
Transaction Type	Mortgage
Record Updated	Mar 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002021R01580
Date	Feb 23, 2021
Instrument	2021R-01580

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSHAM ME
Property Address	3 MIDDLE ST, TOPSHAM, ME 04086-1908
Document Number	0000007102
Instrument Date	Oct 9, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 MIDDLE ST TOPSHAM ME 040861908, TOPSHAM, ME 04086-1908

Mortgage

Document Number	0000007102
Date	Oct 17, 2019
Instrument	7102

Lender

Name	FIRST FED'L S&L ASSN/BATH
Type	Federal Savings Bank
Address	125 FRONT ST, BATH, ME 04530-2610

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 16, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%

August 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	TOPSHAM ME
Recording Date	Aug 9, 2017
Property Address	3 MIDDLE ST, TOPSHAM, ME 04086-1908
Instrument Date	Aug 4, 2017
Instrument	5348
Transaction Type	Construction Loan
Record Updated	Sep 29, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3 MIDDLE ST TOPSHAM ME 040861908, TOPSHAM, ME 04086-1908

Mortgage

Document Number	0000005348
Date	Aug 9, 2017
Instrument	5348

Lender

Name	RESIDENTIAL MTG SVC
Type	Mortgage Company
Address	SOUTH PORTLAND, ME 04106

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3 Middle St was $4,073.

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	$4,073.00	$318,200 Land $76,000 Building $242,200
2023	$3,827.00 (+13.7%)	$281,800 (+20.74%) Land $67,000 Building $214,800
2022	$3,366.00	$233,400 Land $62,400 Building $171,000

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

Flood

FEMA maps place 3 Middle St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

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

The area around 3 Middle St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	BRUNSWICK/TOPSHAM WATER DISTRICT serves 18,863 people · EPA ID ME0090260
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2025) action level 15 ppb

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 196 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
Xfinity Cable	2,000 / 250

May also be available: Great Works Internet, Verizon.

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