31 Ralph St, Bangor, ME 04401 Property Records

Penobscot County and Bangor City property record for 31 Ralph St, Bangor, ME 04401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,362 sqft · built 1926
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$242,500 (Nov 2022)
Tax Bill	$3,149 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`BANG M:012 L:002`

Property Details

APN / Parcel Number

Primary APN	`BANG M:012 L:002`
Alternative APN	`8885`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,362 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 2022
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Gravity Furnace

Location & Zoning

Account Number	8885
Street Address	31 RALPH ST
City	BANGOR
State	ME
Zip	04401-4437
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URD1
Legal Lot Number	2
Jurisdiction	BANGOR ME
Township / Civil Division	BANGOR
Census Block Group	3
Census Block	3004
Census Tract	500

Owner

31 Ralph St is owned and occupied by an individual who bought it in November 2022.

Source: Penobscot County and Bangor City records, as of May 22, 2026

Owner of Record	Individual Name on File
Mailing Address	31 RALPH ST, BANGOR, ME 04401-4437
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
Aug 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 4, 2022	Warranty Deed, Transfer · FHA Mortgage EMBRACE HOME LOANS INC
Mar 17, 2017	Deed of Trust, Mortgage MAINE SAVINGS FCU
Oct 2, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MAINE SAVINGS FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2022 · Amount on File
Deed Sale	Nov 4, 2022 · Amount on File
Prior Sale	Dec 6, 2016 · Amount on File
Deed Document Number	202232697
Deed Book / Page	16678 / 230
Transfer Doc	0143540018
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANGOR ME
Recording Date	Aug 31, 2026
Property Address	31 RALPH ST, BANGOR, ME 04401-4437
Document Number	0000023795
Book / Page	17997 / 318
Instrument Date	Aug 25, 2026
Instrument	202623795
Transaction Type	Mortgage
Record Updated	Sep 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 RALPH ST, BANGOR, ME 04401-4437

Mortgage

Document Number	0000023795,
Date	Aug 31, 2026
Book Page	17997/318
Instrument	202623795

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANGOR ME
Recording Date	Nov 4, 2022
Property Address	31 RALPH ST, BANGOR, ME 04401-4437
Document Number	0166780230
Book / Page	16678 / 230
Instrument Date	Nov 4, 2022
Instrument	32697
Transaction Type	Transfer
Record Updated	Nov 21, 2022

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
Address	344 MOUNT HOPE AVE, BANGOR, ME 04401-4200

Mortgage

Document Number	0000032698
Date	Nov 4, 2022
Instrument	32698

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANGOR ME
Property Address	31 RALPH ST, BANGOR, ME 04401-4437
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0144330030
Date	Mar 17, 2017
Book Page	14433/0030
Instrument	000000006928

Lender

Name	MAINE SAVINGS FCU

Agreement

Amount	Amount on Record
Term	61 Months
Due	Mar 31, 2022

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANGOR ME
Property Address	31 RALPH ST, BANGOR, ME 04401-4437
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0153000291
Date	Oct 2, 2019
Book Page	15300/291
Instrument	29962

Lender

Name	MAINE SAVINGS FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 31 Ralph St was $3,149, down 0.2% from the year before.

Source: Penobscot County and Bangor City assessment roll, as of May 22, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Penobscot County
Municipality	Bangor City
Unified School District	Bangor (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,149.00 (-0.19%)	$177,900 (+4.59%) Land $27,700 Building $150,200
2024	$3,155.00 (+15.53%)	$170,100 (+19.28%) Land $26,900 Building $143,200	$258,970
2023	$2,731.00 (+6.93%)	$142,600 (+13.9%) Land $26,900 Building $115,700
2022	$2,554.00	$125,200 Land $26,900 Building $98,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 31 Ralph St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 7, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 31 Ralph St 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 97% of the US · lower than 98.5% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 498 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	1,000 / 1,000

May also be available: Verizon.

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