32 Spear Dr, Bowdoinham, ME 04008 Property Records

Sagadahoc County and Bowdoinham Town property record for 32 Spear Dr, Bowdoinham, ME 04008

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,304 sqft · built 1989
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,992 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jan 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:R02 L:017=007`

Property Details

APN / Parcel Number

Primary APN	`M:R02 L:017=007`
Alternative APNs	`BOWN M:R02 L:017-007` `207`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,304 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Cape Cod
Lot Area	47,916 sqft (1.1 acres)

Location & Zoning

Account Number	207
Street Address	32 SPEAR DR
City	BOWDOINHAM
State	ME
Zip	04008-4450
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	17-7
Jurisdiction	BOWDOINHAM ME
Township / Civil Division	BOWDOINHAM
Census Block Group	1
Census Block	1028
Census Tract	970200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Arnold Trail to Quebec listed 1969 · 1 contributing resources · NRIS 69000018

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Sagadahoc County and Bowdoinham Town records, as of July 30, 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	32 SPEAR DR, BOWDOINHAM, ME 04008-4450
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Deed of Trust, Mortgage · Line of Credit BANGOR SAVINGS BANK
Jan 30, 2023	Deed of Trust, Mortgage · Line of Credit BANGOR SAVINGS BANK
May 15, 2020	Deed of Trust, Mortgage BANGOR SVGS BK
Jul 2, 2019	Deed of Trust, Mortgage BANGOR SVGS BK
Jun 7, 2017	Deed of Trust, Mortgage · Line of Credit BANGOR SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Recording Date	May 12, 2026
Property Address	32 SPEAR DR, BOWDOINHAM, ME 04008-4450
Document Number	0000002408
Instrument Date	May 7, 2026
Instrument	20262408
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 SPEAR DR, BOWDOINHAM, ME 04008-4450
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002408,
Date	May 12, 2026
Instrument	20262408

Lender

Name	BANGOR SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Max Rate	-1%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Property Address	32 SPEAR DR, BOWDOINHAM, ME 04008-4450
Transaction Type	Mortgage
Record Updated	Feb 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000397
Date	Jan 30, 2023
Instrument	2023R-00397

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Property Address	32 SPEAR DR, BOWDOINHAM, ME 04008-4450
Document Number	0000003366
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 17, 2020
Title Company	RED DOOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 SPEAR DR BOWDOINHAM ME 040084450, BOWDOINHAM, ME 04008-4450

Mortgage

Document Number	0000003366
Date	May 20, 2020
Instrument	3366

Lender

Name	BANGOR SVGS BK
Type	Federal Savings Bank
Address	BANGOR, ME 04402-0400

Agreement

Amount	Amount Recorded
Term	180 Months
Due	May 19, 2035

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Property Address	32 SPEAR DR, BOWDOINHAM, ME 04008-4450
Document Number	0000004119
Instrument Date	Jul 2, 2019
Transaction Type	Mortgage
Record Updated	Jul 30, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 SPEAR DR BOWDOINHAM ME 040084450, BOWDOINHAM, ME 04008-4450

Mortgage

Document Number	0000004119
Date	Jul 12, 2019
Instrument	4119

Lender

Name	BANGOR SVGS BK
Type	Federal Savings Bank
Address	AUGUSTA, ME 04330

Agreement

Amount	Amount Recorded
Term	156 Months
Due	Jul 11, 2032

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Property Address	32 SPEAR DR, BOWDOINHAM, ME 04008-4450
Document Number	0000003863
Instrument Date	Jun 7, 2017
Transaction Type	Mortgage
Record Updated	Jun 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 SPEAR DR BOWDOINHAM ME 040084450, BOWDOINHAM, ME 04008-4450

Mortgage

Document Number	0000003863
Date	Jun 13, 2017
Instrument	3863

Lender

Name	BANGOR SVGS BK
Type	Federal Savings Bank
Address	AUGUSTA, ME 04330

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	156 Months
Due	Jun 12, 2030

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Sagadahoc County and Bowdoinham Town assessment roll, as of July 30, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,992.00 (+5.27%)	$225,800 (-) Land $74,100 Building $151,700
2024	$4,742.00 (+7.7%)	$225,800 (-) Land $74,100 Building $151,700
2023	$4,403.00 (+36.91%)	$225,800 (+27%) Land $74,100 Building $151,700
2022	$3,216.00	$177,800 Land $51,300 Building $126,500

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

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1982–2012)
Most Recent Claim	Jun 2012 · rainfall accumulation

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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

4G LTE (outdoors only), no 5G reported

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