321 Ward Rd, Topsham, ME 04086 Property Records

Sagadahoc County and Topsham Town property record for 321 Ward Rd, Topsham, ME 04086

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,816 sqft · built 1989
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$257,500 (Oct 2021)
Tax Bill	$6,698 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Nov 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`TOPM M:R03 L:052-B`

Property Details

APN / Parcel Number

Primary APN	`TOPM M:R03 L:052-B`
Alternative APNs	`M:R03 L:052=B` `1094`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,816 sqft Living Area
Gross Area	4,674 sqft
1st Floor Area	1,488 sqft
Basement Area	1,488 sqft
Unfinished Basement	1,488 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	217,800 sqft (5 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1094
Street Address	321 WARD RD
City	TOPSHAM
State	ME
Zip	04086-6006
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NO
Legal Lot Number	52-B
Jurisdiction	TOPSHAM ME
Township / Civil Division	TOPSHAM
Census Block Group	4
Census Block	4008
Census Tract	970301

Owner

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	321 WARD RD, TOPSHAM, ME 04086-6006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage RESIDENTIAL MORTGAGE SERVICES
Nov 21, 2017	Deed of Trust, Mortgage · Line of Credit CAMDEN NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2021 · Amount on Record
Deed Sale	Oct 14, 2021 · Amount on Record
Deed Document Number	20218935
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TOPSHAM ME
Recording Date	Oct 14, 2021
Property Address	321 WARD RD, TOPSHAM, ME 04086-6006
Document Number	8935
Instrument Date	Oct 13, 2021
Instrument	2021R-08935
Transaction Type	Transfer
Record Updated	Nov 1, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	321 WARD RD, TOPSHAM, ME 04086-6006

Mortgage

Document Number	8936
Date	Oct 14, 2021
Instrument	2021R-08936

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSHAM ME
Property Address	321 WARD RD, TOPSHAM, ME 04086-6006
Document Number	0000008897
Instrument Date	Nov 21, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 WARD RD TOPSHAM ME 040866006, TOPSHAM, ME 04086-6006

Mortgage

Document Number	0000008897
Date	Dec 6, 2017
Instrument	8897

Lender

Name	CAMDEN NAT'L BK
Type	Bank
Address	CAMDEN, ME 04843

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$6,698.00 (+5.22%)	$523,300 (+11.63%) Land $72,000 Building $451,300
2023	$6,366.00 (+5.08%)	$468,800 (+11.59%) Land $64,900 Building $403,900
2022	$6,058.00	$420,100 Land $62,900 Building $357,200

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	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.

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 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

Cell Coverage

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

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