325 Center Rd, Gray, ME 04039 Property Records

Cumberland County and Gray Town property record for 325 Center Rd, Gray, ME 04039

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,392 sqft · built 1991
Lot Size	2.23 acres (97,139 sqft)
Owner	2 Individual Names on File
Last Sale	$287,500 (Dec 2014)
Tax Bill	$4,091 (2025)
Deeds & Mortgages	Feb 2022 Refinance Aug 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`GRAY M:067 B:027 L:018-001`

Property Details

APN / Parcel Number

Primary APN	`GRAY M:067 B:027 L:018-001`
Alternative APNs	`027018001000` `1598`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,392 sqft Living Area
Basement Area	350 sqft
Unfinished Basement	350 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Cape Cod
Construction Type	Concrete
Roof Material	Metal
Lot Area	97,139 sqft (2.23 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	1598
Street Address	325 CENTER RD
City	GRAY
State	ME
Zip	04039-5458
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	27
Legal Lot Number	18-1
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	4
Census Block	4025
Census Tract	4702

Owner

325 Center Rd is owned and occupied by two individuals who bought it in December 2014.

Source: Cumberland County and Gray Town records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	325 CENTER RD, GRAY, ME 04039-5458
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Feb 9, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CUSO HOME LENDING
Aug 3, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2014 · Amount on File
Deed Sale	Dec 31, 2014 · Amount on File
Prior Sale	Dec 31, 2014
Deed Document Number	201462842
Deed Book / Page	32006 / 159
Transfer Doc	0350440020
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	325 CENTER RD, GRAY, ME 04039-5458
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0391620085
Date	Feb 9, 2022
Book Page	39162/85
Instrument	7755

Lender

Name	CUSO HOME LENDING

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2037

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GRAY ME
Recording Date	Aug 3, 2018
Property Address	325 CENTER RD, GRAY, ME 04039-5458
Document Number	0350440020
Book / Page	035044 / 000020
Instrument Date	Jul 30, 2018
Instrument	38102
Transaction Type	Transfer
Record Updated	Aug 27, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	325 CENTER RD GRAY ME 040395458, GRAY, ME 04039-5458

Tax Assessment & Valuation

The 2025 property tax bill for 325 Center Rd was $4,091.

Source: Cumberland County and Gray Town assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Gray Town
Unified School District	School Administrative District 15 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,091.00	$422,600 Land $127,300 Building $295,300
2023	$4,305.00 (+8.82%)	$283,600 (-) Land $71,200 Building $212,400
2022	$3,956.00	$283,600 Land $71,200 Building $212,400

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

Flood

FEMA maps place 325 Center Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1983.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	7 (1983–2007)
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal Flooding
Claims by Event	Severe Storms & Flooding, May 1989 · 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 325 Center Rd is low, with 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 80% of the US · above 53% of Maine
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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