32 Cottage St, Bangor, ME 04401 Property Records

Penobscot County and Bangor City property record for 32 Cottage St, Bangor, ME 04401

Property Summary

Property Type	Triplex
Details	5 bd · 3.5 ba · 3,018 sqft · built 1900
Lot Size	0.28 acres (12,197 sqft)
Owner	Company Name on File
Last Sale	$184,100 (Jul 2017)
Tax Bill	$5,222 (2025)
Deeds & Mortgages	Nov 2022 Refinance Jun 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BANG M:021 L:053`

Property Details

APN / Parcel Number

Primary APN	`BANG M:021 L:053`
Alternative APN	`1535`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Units	3 Units
Stories	2 Stories
Building Area	3,018 sqft Living Area
Gross Area	2,520 sqft
1st Floor Area	836 sqft
Basement Area	836 sqft
Unfinished Basement	836 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	1535
Street Address	32 COTTAGE ST
City	BANGOR
State	ME
Zip	04401-3778
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	URD2
Legal Lot Number	53
Jurisdiction	BANGOR ME
Township / Civil Division	BANGOR
Census Block Group	5
Census Block	5001
Census Tract	500

Owner

32 Cottage St, a triplex, is owned by a company that acquired it in March 2022.

Source: Penobscot County and Bangor City records, as of October 19, 2026

Owner of Record	Company Name on File
Mailing Address	243 FOX HOLW, BANGOR, ME 04401-2152
Owner Type	Company
Vesting	Company

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
Nov 3, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance KEY BANK NA
Jun 16, 2022	Quit Claim Deed, Transfer Quitclaim
Jul 3, 2017	Intrafamily Transfer, Transfer · FHA Mortgage NORTHEAST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2017 · Amount on File
Deed Sale	Jul 3, 2017 · Amount on File
Deed Document Number	201719925
Deed Book / Page	14535 / 140
Last Transfer Date	Mar 30, 2022
Transfer Doc	0165190240
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANGOR ME
Property Address	32 COTTAGE ST, BANGOR, ME 04401-3778
Transaction Type	Mortgage
Record Updated	Nov 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0166770048
Date	Nov 3, 2022
Book Page	16677/48
Instrument	32579

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BANGOR ME
Recording Date	Jun 16, 2022
Property Address	32 COTTAGE ST, BANGOR, ME 04401-3778
Document Number	0165190240
Book / Page	16519 / 240
Instrument Date	Mar 30, 2022
Instrument	17037
Transaction Type	Transfer
Record Updated	Nov 16, 2023

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 FOX HOLLOW LN, BANGOR, ME 04401-2152

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BANGOR ME
Recording Date	Jul 3, 2017
Property Address	32 COTTAGE ST, BANGOR, ME 04401-3778
Document Number	0145350140
Book / Page	14535 / 0140
Instrument	000000019925
Transaction Type	Transfer
Record Updated	Feb 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Lis Pendens Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019926
Date	Jul 3, 2017
Instrument	000000019926

Lender

Name	NORTHEAST BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 3, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 32 Cottage St was $5,222, up 3.4% from the year before.

Source: Penobscot County and Bangor City assessment roll, as of July 30, 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
2025	$5,222.00 (+3.39%)	$295,000 (+8.34%) Land $23,000 Building $272,000
2024	$5,051.00 (+5.8%)	$272,300 (+9.23%) Land $22,300 Building $250,000
2023	$4,774.00 (+7.02%)	$249,300 (+13.99%) Land $22,300 Building $227,000
2022	$4,461.00	$218,700 Land $22,300 Building $196,400

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

Flood

FEMA maps place 32 Cottage 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 32 Cottage 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 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	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 519 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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