314 Mountain Rd, Cape Neddick, ME 03902 Property Records

York County and York Town property record for 314 Mountain Rd, Cape Neddick, ME 03902

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,622 sqft · built 2003
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$415,000 (Oct 2019)
Tax Bill	$3,826 (2025)
Deeds & Mortgages	May 2022 Refinance Jul 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:096 B:054`

Property Details

APN / Parcel Number

Primary APN	`M:096 B:054`
Alternative APNs	`YORK M:0096 B:0054` `000384` `384`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,622 sqft Living Area
Gross Area	2,315 sqft
1st Floor Area	253 sqft
Basement Area	253 sqft
Unfinished Basement	253 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	16,988 sqft (0.39 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	384
Street Address	314 MOUNTAIN RD
City	CAPE NEDDICK
State	ME
Zip	03902-7942
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	G2
Legal Block	54
Jurisdiction	YORK ME
Township / Civil Division	YORK
Census Block Group	2
Census Block	2014
Census Tract	36002

Owner

Source: York County and York Town records, as of May 22, 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	314 MOUNTAIN RD, CAPE NEDDICK, ME 03902-7942
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Jul 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Dec 31, 2020	Quit Claim Deed, Transfer RED DOOR TITLE
Sep 27, 2019	Deed of Trust, Transfer MORTGAGE NTWK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2019 · Amount on Record
Deed Sale	Oct 1, 2019 · Amount on Record
Prior Sale	Mar 24, 2010 · Amount on Record
Deed Document Number	201941594
Deed Book / Page	18059 / 732
Last Transfer Date	Dec 29, 2020
Transfer Doc	0185080189
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK ME
Property Address	314 MOUNTAIN RD, CAPE NEDDICK, ME 03902-7942
Transaction Type	Mortgage
Record Updated	May 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190170473
Date	May 4, 2022
Book Page	19017/473
Instrument	2022019469

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2047

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK ME
Property Address	314 MOUNTAIN RD, CAPE NEDDICK, ME 03902-7942
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0183000642
Date	Jul 10, 2020
Book Page	18300/642
Instrument	2020030189

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	YORK ME
Recording Date	Dec 31, 2020
Property Address	314 MOUNTAIN RD, CAPE NEDDICK, ME 03902-7942
Document Number	0185080189
Book / Page	018508 / 000189
Instrument Date	Dec 29, 2020
Instrument	68141
Transaction Type	Transfer
Record Updated	Jan 25, 2021
Title Company	RED DOOR TITLE

Transaction

Tax	$0.00
Additional	Quitclaim 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	314 MOUNTAIN RD CAPE NEDDICK ME 039027942, CAPE NEDDICK, ME 03902-7942

September 2019: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	YORK ME
Property Address	314 MOUNTAIN RD, CAPE NEDDICK, ME 03902-7942
Document Number	0180590734
Instrument Date	Sep 27, 2019
Transaction Type	Transfer
Record Updated	Oct 15, 2019
Title Company	RED DOOR TITLE

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	314 MOUNTAIN RD CAPE NEDDICK ME 039027942, CAPE NEDDICK, ME 03902-7942

Mortgage

Document Number	0180590734
Date	Oct 1, 2019
Book Page	018059/000734
Instrument	41595

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company
Address	DANVERS, MA 01923

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2049

Tax Assessment & Valuation

Source: York County and York Town assessment roll, as of May 22, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,826.00 (+11.87%)	$463,800 (+13.93%) Land $128,800 Building $335,000
2024	$3,420.00 (+2.36%)	$407,100 (+2.96%) Land $128,800 Building $278,300
2023	$3,341.00 (+11.29%)	$395,400 (+12.62%) Land $107,300 Building $288,100	$534,090
2022	$3,002.00	$351,100 Land $82,300 Building $268,800

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
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

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 55 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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