3 Ridgeway Rd, Scarborough, ME 04074 Property Records

Cumberland County and Scarborough Town property record for 3 Ridgeway Rd, Scarborough, ME 04074

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,512 sqft · built 1993
Lot Size	0.88 acres (38,333 sqft)
Owner	2 Individual Names on File
Last Sale	$427,500 (Apr 2019)
Tax Bill	$6,647 (2025)
Deeds & Mortgages	Feb 2023 Refinance Sep 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R0542920`

Property Details

APN / Parcel Number

Primary APN	`R0542920`
Alternative APNs	`SCAR M:R054 L:2920` `7243`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,512 sqft Living Area
Gross Area	3,600 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	38,333 sqft (0.88 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	7243
Street Address	3 RIDGEWAY RD
City	SCARBOROUGH
State	ME
Zip	04074-8210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	12
Legal Subdivision	PROPERTIES WINDWARD ROUTE 114
Legal Lot Number	2920
Jurisdiction	SCARBOROUGH ME
Township / Civil Division	SCARBOROUGH
Census Block Group	3
Census Block	3020
Census Tract	17305

Owner

3 Ridgeway Rd is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 RIDGEWAY RD, SCARBOROUGH, ME 04074-8210
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
Feb 15, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Sep 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Jan 31, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE
Apr 8, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage HARBORONE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2019 · Amount on File
Deed Sale	Apr 8, 2019 · Amount on File
Prior Sale	Apr 15, 2011 · Amount on File
Deed Document Number	201914073
Deed Book / Page	35566 / 71
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCARBOROUGH ME
Property Address	3 RIDGEWAY RD, SCARBOROUGH, ME 04074-8210
Transaction Type	Mortgage
Record Updated	Mar 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0399880089
Date	Feb 15, 2023
Book Page	39988/89
Instrument	4810

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCARBOROUGH ME
Property Address	3 RIDGEWAY RD, SCARBOROUGH, ME 04074-8210
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0372230112
Date	Sep 25, 2020
Book Page	37223/112
Instrument	60614

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCARBOROUGH ME
Property Address	3 RIDGEWAY RD, SCARBOROUGH, ME 04074-8210
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0363890080
Date	Jan 31, 2020
Book Page	36389/80
Instrument	5757

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2035

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCARBOROUGH ME
Recording Date	Apr 8, 2019
Property Address	3 RIDGEWAY RD, SCARBOROUGH, ME 04074-8210
Document Number	0355660071
Book / Page	35566 / 71
Instrument Date	Apr 8, 2019
Instrument	14073
Transaction Type	Transfer
Record Updated	Feb 3, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 WOODSPELL RD, SCARBOROUGH, ME 04074-8221

Mortgage

Document Number	0000014074
Date	Apr 8, 2019
Instrument	14074

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3 Ridgeway Rd was $6,647.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$6,647.00	$586,700 Land $226,800 Building $359,900
2023	$6,137.00 (+3.77%)	$384,300 (-) Land $152,000 Building $232,300
2022	$5,914.00	$384,300 Land $152,000 Building $232,300

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

Flood

FEMA maps place 3 Ridgeway Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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

Wildfire risk around 3 Ridgeway Rd is low, with less than 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 96% of the US · lower than 97.9% of Maine
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PORTLAND WATER DISTRICT-GREATER serves 135,068 people · EPA ID ME0091300
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	2 ppb (2024–2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
GoNetspeed 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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