Sagadahoc County and Topsham Town property record for 320 Ward Rd, Topsham, ME 04086
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 2,391 sqft · built 2003 |
| Lot Size | 15.7 acres (686,506 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $7,729 (2025) |
| Deeds & Mortgages | Jun 2021 Line of Credit Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | TOPM M:R03 L:054 |
| Primary APN | TOPM M:R03 L:054 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,391 sqft Living Area |
| Gross Area | 5,624 sqft |
| 1st Floor Area | 1,581 sqft |
| Basement Area | 1,560 sqft |
| Unfinished Basement | 480 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 686,506 sqft (15.7 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1570 |
|---|---|
| Street Address | 320 WARD RD |
| City | TOPSHAM |
| State | ME |
| Zip | 04086-6011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | NO |
| Legal Lot Number | 54 |
| Jurisdiction | TOPSHAM ME |
| Township / Civil Division | TOPSHAM |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 970301 |
Source: Sagadahoc County and Topsham 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 | Individual Name on Record |
|---|---|
| Mailing Address | 320 WARD RD, TOPSHAM, ME 04086-6011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 8, 2021 | Deed of Trust, Mortgage · Line of Credit MIDCOAST FEDERAL CREDIT UNION |
| Feb 21, 2020 | Deed of Trust, Mortgage MIDCOAST FCU |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSHAM ME |
| Property Address | 320 WARD RD, TOPSHAM, ME 04086-6011 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 4822 |
|---|---|
| Date | Jun 8, 2021 |
| Instrument | 2021R-04822 |
| Name | MIDCOAST FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 1, 2041 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSHAM ME |
| Property Address | 320 WARD RD, TOPSHAM, ME 04086-6011 |
| Document Number | 0000001439 |
| Instrument Date | Feb 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 320 WARD RD TOPSHAM ME 040866011, TOPSHAM, ME 04086-6011 |
| Document Number | 0000001439 |
|---|---|
| Date | Feb 26, 2020 |
| Instrument | 1439 |
| Name | MIDCOAST FCU |
|---|---|
| Type | Credit Union |
| Address | FREEPORT, ME 04032 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 25, 2050 |
Source: Sagadahoc County and Topsham Town assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Sagadahoc County |
| County Subdivision | Topsham Town |
| Unified School District | School Administrative District 75 (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $7,729.00 (+11.79%) | $603,800 (+18.6%) Land $84,100 Building $519,700 |
| 2023 | $6,914.00 (+14.93%) | $509,100 (+22.03%) Land $76,800 Building $432,300 |
| 2022 | $6,016.00 | $417,200 Land $75,000 Building $342,200 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 3 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.
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.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber | 2,000 / 2,000 |
| Xfinity Cable | 1,200 / 35 |
4G LTE (outdoors only), no 5G reported
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