342 Main St, Cumberland, ME 04021 Property Records

Cumberland County and Cumberland Town property record for 342 Main St, Cumberland, ME 04021

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,640 sqft · built 2004
Lot Size	1.15 acres (50,094 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Apr 2023)
Tax Bill	$14,159 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Apr 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`CMBL M:U13-A L:40-A`

Property Details

APN / Parcel Number

Primary APN	`CMBL M:U13-A L:40-A`
Alternative APNs	`M:U13=A L:40=A` `20232983` `20262843`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,640 sqft Living Area
Gross Area	10,024 sqft
1st Floor Area	1,720 sqft
Attic	Attic
Attic Area	1,120 sqft
Basement Area	1,720 sqft
Unfinished Basement	1,720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	50,094 sqft (1.15 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	20262843
Street Address	342 MAIN ST
City	CUMBERLAND CENTER
State	ME
Zip	04021-3907
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Lot Number	40-A
Jurisdiction	CUMBERLAND ME
Township / Civil Division	CUMBERLAND
Census Block Group	3
Census Block	3000
Census Tract	4201

Owner

342 Main St is owned and occupied by two individuals who bought it in April 2023.

Source: Cumberland County and Cumberland Town records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	342 MAIN ST, CUMBERLAND CENTER, ME 04021-3907
Occupancy	Owner Occupied
Owner Type	Individual

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 5, 2024	Deed of Trust, Mortgage · Line of Credit BANGOR SAVINGS BANK
Apr 3, 2023	Warranty Deed, Transfer
Jun 20, 2018	Deed of Trust, Mortgage BANGOR SAVINGS BANK
Apr 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2023 · Amount on File
Deed Sale	Apr 3, 2023 · Amount on File
Deed Document Number	20239750
Deed Book / Page	40053 / 347
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND ME
Property Address	342 MAIN ST, CUMBERLAND, ME 04021-3907
Transaction Type	Mortgage
Record Updated	Feb 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0405970102
Date	Feb 5, 2024
Book Page	40597/102
Instrument	4230

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND ME
Recording Date	Apr 3, 2023
Property Address	342 MAIN ST, CUMBERLAND, ME 04021-3907
Document Number	0400530347
Book / Page	40053 / 347
Instrument Date	Mar 30, 2023
Instrument	9750
Transaction Type	Transfer
Record Updated	Apr 17, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	60 RANGE RD, CUMBERLAND, ME 04021-3438

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND ME
Property Address	342 MAIN ST, CUMBERLAND, ME 04021-3907
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0349310289
Date	Jun 20, 2018
Book Page	34931/0289
Instrument	000000029228

Lender

Name	BANGOR SAVINGS BANK

Agreement

Amount	Amount on Record
Term	264 Months
Due	Jun 20, 2040

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND ME
Property Address	342 MAIN ST, CUMBERLAND, ME 04021-3907
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0366020239
Date	Apr 17, 2020
Book Page	36602/239
Instrument	19728

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 342 Main St was $14,159.

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

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Cumberland Town
Unified School District	School Administrative District 51 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$14,159.00	$562,300 Land $110,400 Building $451,900
2022	$11,921.00	$562,300 Land $110,400 Building $451,900

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

Flood

FEMA maps place 342 Main St in Zone X, an area of minimal flood risk.

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

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 342 Main St 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	Direct burnable vegetation

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	YARMOUTH WATER DISTRICT serves 8,000 people · EPA ID ME0091670
Water Source	Groundwater
Last State Inspection	Apr 2025
Also Mapped Here	PORTLAND WATER DISTRICT-GREATER
Lead	10 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	1 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 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

4G LTE only, no 5G reported

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