314 Oak Ledge Rd, Harpswell, ME 04079 Property Records

Cumberland County and Harpswell Town property record for 314 Oak Ledge Rd, Harpswell, ME 04079

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,180 sqft · built 1972
Lot Size	0.75 acres (32,670 sqft)
Owner	2 Individual Names on File
Last Sale	$1,300,000 (Jun 2023)
Tax Bill	$6,733 (2025)
Deeds & Mortgages	Jun 2023 Sale Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HARP M:051 L:111`

Property Details

APN / Parcel Number

Primary APN	`HARP M:051 L:111`
Alternative APN	`3783`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,180 sqft Living Area
Gross Area	4,914 sqft
1st Floor Area	1,244 sqft
Attic	Attic
Attic Area	308 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	32,670 sqft (0.75 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	3783
Street Address	314 OAK LEDGE RD
City	HARPSWELL
State	ME
Zip	04079-4230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Lot Number	111
Jurisdiction	HARPSWELL ME
Township / Civil Division	HARPSWELL
Census Block Group	3
Census Block	3000
Census Tract	17102

Owner

314 Oak Ledge Rd is owned and occupied by two individuals who bought it in June 2023.

Source: Cumberland County and Harpswell Town records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	314 OAK LEDGE RD, HARPSWELL, ME 04079-4230
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
Jun 5, 2023	Personal Representative Deed, Transfer
Oct 13, 2021	Deed of Trust, Mortgage · ARM MUTUAL OF OMAHA MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2023 · Amount on File
Deed Sale	Jun 5, 2023 · Amount on File
Deed Document Number	202317603
Deed Book / Page	40165 / 125
Record Updated	Sep 20, 2026

June 2023: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	HARPSWELL ME
Recording Date	Jun 5, 2023
Property Address	314 OAK LEDGE RD, HARPSWELL, ME 04079-4230
Document Number	0401650125
Book / Page	40165 / 125
Instrument Date	Jun 1, 2023
Instrument	17603
Transaction Type	Transfer
Record Updated	Jun 19, 2023

Transaction

Amount	Amount 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	56 WILDWOOD DR, BRUNSWICK, ME 04011-9361

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	314 OAK LEDGE RD, HARPSWELL, ME 04079-4230
Transaction Type	Mortgage
Record Updated	Nov 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0387630001
Date	Oct 13, 2021
Book Page	38763/1
Instrument	72837

Lender

Name	MUTUAL OF OMAHA MORTGAGE

Agreement

Type	ARM
Amount	Amount on Record
Term	697 Months
Due	Nov 1, 2079

Interest

Rate Type	Adjustable Rate
Rate	3.33%
Type Change Date	Dec 1, 2021
Index	Other

Tax Assessment & Valuation

The 2025 property tax bill for 314 Oak Ledge Rd was $6,733, up 42.5% from the year before.

Source: Cumberland County and Harpswell Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Harpswell Town
Unified School District	School Administrative District 75 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$6,733.00 (+42.47%)	$1,011,000 (+36.05%) Land $280,300 Building $730,700
2024	$4,726.00 (+10.99%)	$743,100 (+6.45%) Land $280,300 Building $462,800
2023	$4,258.00 (+31.91%)	$698,100 (+27.6%) Land $280,300 Building $417,800
2022	$3,228.00	$547,100 Land $280,300 Building $266,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 314 Oak Ledge 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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	2 (2007)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal Flooding
Claims by Event	Severe Storms And Inland And Coastal Flooding, Apr 2007 · 2 claims

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 314 Oak Ledge 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 95% of the US · lower than 97.3% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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