3 Owen Ln, Gray, ME 04039 Property Records

Cumberland County and Gray Town property record for 3 Owen Ln, Gray, ME 04039

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,304 sqft · built 2017
Lot Size	1.86 acres (81,022 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Dec 2023)
Tax Bill	$4,811 (2025)
Deeds & Mortgages	Sep 2024 Refinance Dec 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GRAY M:012 B:308 L:026-002`

Property Details

APN / Parcel Number

Primary APN	`GRAY M:012 B:308 L:026-002`
Alternative APN	`4830`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,304 sqft Living Area
Basement Area	572 sqft
Unfinished Basement	572 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	81,022 sqft (1.86 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	4830
Street Address	3 OWEN LN
City	GRAY
State	ME
Zip	04039-6639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	308
Legal Lot Number	26-2
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	3
Census Block	3001
Census Tract	4701

Owner

3 Owen Ln is owned and occupied by two individuals who bought it in December 2023.

Source: Cumberland County and Gray Town records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3 OWEN LN, GRAY, ME 04039-6639
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
Sep 5, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance HOMEBRIDGE FINANCIAL SERVICES INC
Dec 13, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Sep 2, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage T2 FINANCIAL LLC
Dec 31, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2023 · Amount on File
Deed Sale	Dec 13, 2023 · Amount on File
Prior Sale	Sep 2, 2021 · Amount on File
Deed Book / Page	40524 / 30
Transfer Doc	0347260102
Record Updated	Sep 20, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	3 OWEN LN, GRAY, ME 04039-6639
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0409750192
Date	Sep 5, 2024
Book Page	40975/192
Instrument	33249

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2054

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAY ME
Recording Date	Dec 13, 2023
Property Address	3 OWEN LN, GRAY, ME 04039-6639
Document Number	0405240030
Book / Page	40524 / 30
Instrument Date	Dec 12, 2023
Instrument	45025
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	608 CONOVER RD, DURHAM, NC 27703-9662

Mortgage

Document Number	0000045026
Date	Dec 13, 2023
Instrument	45026

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAY ME
Recording Date	Sep 2, 2021
Property Address	3 OWEN LN, GRAY, ME 04039-6639
Document Number	0386200066
Book / Page	38620 / 66
Instrument Date	Sep 1, 2021
Instrument	63927
Transaction Type	Transfer
Record Updated	Feb 2, 2022

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
Address	A1 CLAIRMONT CT, PORTLAND, ME 04103-4401

Mortgage

Document Number	0000063928
Date	Sep 2, 2021
Instrument	63928

Lender

Name	T2 FINANCIAL LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAY ME
Recording Date	Dec 31, 2019
Property Address	3 OWEN LN, GRAY, ME 04039-6639
Document Number	0363050224
Book / Page	36305 / 224
Instrument Date	Dec 30, 2019
Instrument	67940
Transaction Type	Transfer
Record Updated	Feb 2, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 MIDDLE RD, FALMOUTH, ME 04105-1835

Mortgage

Document Number	0000067941
Date	Dec 31, 2019
Instrument	67941

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3 Owen Ln was $4,811, up 0.6% from the year before.

Source: Cumberland County and Gray Town assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Gray Town
Unified School District	School Administrative District 15 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,811.00 (+0.65%)	$497,000 (+0.85%) Land $125,100 Building $371,900
2024	$4,780.00 (-2.43%)	$492,800 (+52.71%) Land $125,100 Building $367,700
2023	$4,899.00 (+8.82%)	$322,700 (-) Land $70,100 Building $252,600
2022	$4,502.00	$322,700 Land $70,100 Building $252,600

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

Flood

FEMA maps place 3 Owen Ln in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 3 Owen Ln 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
GoNetspeed Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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