35 Howard Cir, Sidney (Augusta), ME 04330 Property Records

Kennebec County and Sidney Town property record for 35 Howard Cir, Sidney, ME 04330

Property Summary

Property Type	Single Family Home
Lot Size	1.42 acres (61,855 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,207 (2025)
Deeds & Mortgages	Dec 2007 Mortgage Jun 2006 Mortgage + 15 more
Flood Zone	Zone X (minimal risk)
APN	`M:040 L:004=016`

Property Details

APN / Parcel Number

Primary APN	`M:040 L:004=016`
Alternative APNs	`SIDN M:040 L:004-016` `2557`

Exterior

Architectural Style	Multi-Family
Lot Area	61,855 sqft (1.42 acres)

Location & Zoning

Account Number	2557
Street Address	35 HOWARD CIR
City	SIDNEY
State	ME
Zip	04330-2650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	WHITEHOUSE ACRES SUB
Legal Lot Number	4-16
Jurisdiction	SIDNEY ME
Township / Civil Division	SIDNEY
Census Block Group	2
Census Block	2032
Census Tract	17000

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: Kennebec County and Sidney Town records, as of July 30, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	35 HOWARD CIR, SIDNEY, ME 04330-2650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2007	Deed of Trust, Mortgage · Commercial Mortgage CITIFINANCIAL INC
Jun 26, 2006	Deed of Trust, Mortgage · Commercial Mortgage DECISION ONE MTG
Jun 1, 2005	Deed of Trust, Mortgage · Commercial Mortgage GARDINER SB INSTITUT
Aug 24, 2007	Deed of Trust, Mortgage · Commercial Mortgage COUNTRYWIDE BANK
Apr 13, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Apr 13, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Oct 4, 2024	Deed of Trust, Mortgage · Line of Credit BANGOR SAVINGS BANK
Jun 26, 2006	Deed of Trust, Mortgage · Commercial Mortgage DECISION ONE MTG
May 8, 2018	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MTG
Aug 26, 2025	Deed of Trust, Mortgage · Line of Credit BANGOR SAVINGS BANK
Apr 4, 2025	Deed of Trust, Mortgage · Line of Credit NORWAY SAVINGS BANK
May 11, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CPORT CREDIT UNION
Mar 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CPORT CREDIT UNION
Aug 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Apr 13, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Apr 13, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
May 8, 2018	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

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

December 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIDNEY ME
Property Address	35 HOWARD CIR, SIDNEY, ME 04330-2650
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000035026
Date	Dec 19, 2007
Book Page	09598/0082
Instrument	000000035026

Lender

Name	CITIFINANCIAL INC

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 19, 2022

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIDNEY ME
Property Address	35 HOWARD CIR, SIDNEY, ME 04330-2650
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000017815
Date	Jun 26, 2006
Book Page	08956/0192
Instrument	000000017815

Lender

Name	DECISION ONE MTG

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	288 Months
Due	Jun 26, 2030

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Jul 6, 2008
Margin	5

June 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIDNEY ME
Property Address	35 HOWARD CIR, SIDNEY, ME 04330-2650
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014571
Date	Jun 1, 2005
Book Page	08432/0001
Instrument	000000014571

Lender

Name	GARDINER SB INSTITUT

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	276 Months
Due	Jun 1, 2028

August 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIDNEY ME
Property Address	35 HOWARD CIR, SIDNEY, ME 04330-2650
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000024118
Date	Aug 24, 2007
Book Page	09474/0284
Instrument	000000024118

Lender

Name	COUNTRYWIDE BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	421 Months
Due	Sep 7, 2042

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIDNEY ME
Property Address	35 HOWARD CIR, SIDNEY, ME 04330-2650
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020007710
Date	Apr 13, 2020
Book Page	13525/1
Instrument	2020007710

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIDNEY ME
Property Address	35 HOWARD CIR, SIDNEY, ME 04330-2650
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020007711
Date	Apr 13, 2020
Book Page	13525/14
Instrument	2020007711

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	157 Months
Due	May 1, 2033

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIDNEY ME
Property Address	35 HOWARD CIR, SIDNEY, ME 04330-2650
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024021521
Date	Oct 4, 2024
Book Page	15182/87
Instrument	2024021521

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIDNEY ME
Property Address	35 HOWARD CIR, SIDNEY, ME 04330-2650
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000017816
Date	Jun 26, 2006
Book Page	08956/0211
Instrument	000000017816

Lender

Name	DECISION ONE MTG

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	108 Months
Due	Jun 26, 2015

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIDNEY ME
Property Address	35 HOWARD CIR, SIDNEY, ME 04330-2650
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018008756
Date	May 8, 2018
Book Page	12901/0001
Instrument	2018008756

Lender

Name	UNITED WHOLESALE MTG

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2048

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIDNEY ME
Property Address	35 HOWARD CIR, SIDNEY, ME 04330-2650
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025018542
Date	Aug 26, 2025
Book Page	15472/49
Instrument	2025018542

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIDNEY ME
Property Address	35 HOWARD CIR, SIDNEY, ME 04330-2650
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025006249
Date	Apr 4, 2025
Book Page	15331/214
Instrument	2025006249

Lender

Name	NORWAY SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2050

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIDNEY ME
Property Address	35 HOWARD CIR, SIDNEY, ME 04330-2650
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2023007983
Date	May 11, 2023
Book Page	14752/316
Instrument	2023007983

Lender

Name	CPORT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIDNEY ME
Property Address	35 HOWARD CIR, SIDNEY, ME 04330-2650
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022006957
Date	Mar 25, 2022
Book Page	14395/81
Instrument	2022006957

Lender

Name	CPORT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIDNEY ME
Property Address	35 HOWARD CIR, SIDNEY, ME 04330-2650
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021023182
Date	Aug 13, 2021
Book Page	14130/239
Instrument	2021023182

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIDNEY ME
Property Address	35 HOWARD CIR, SIDNEY, ME 04330-2650
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	13525/1
Date	Apr 13, 2020
Book Page	13525/1
Instrument	2020007710

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIDNEY ME
Property Address	35 HOWARD CIR, SIDNEY, ME 04330-2650
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	13525/14
Date	Apr 13, 2020
Book Page	13525/14
Instrument	2020007711

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	157 Months
Due	May 1, 2033

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIDNEY ME
Property Address	35 HOWARD CIR, SIDNEY, ME 04330-2650
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	12901/0001
Date	May 8, 2018
Book Page	12901/0001
Instrument	2018008756

Lender

Name	UNITED WHOLESALE MTG

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maine
County	Kennebec County
County Subdivision	Sidney Town
Unified School District	Regional School Unit 18 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,207.00 (+6.48%)	$674,200 (+48.47%) Land $91,900 Building $582,300
2024	$3,951.00 (+4.19%)	$454,100 (-) Land $61,300 Building $392,800
2023	$3,792.00 (+5.04%)	$454,100 (-) Land $61,300 Building $392,800
2022	$3,610.00	$454,100 Land $61,300 Building $392,800

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

Flood

Source: FEMA National Flood Hazard Layer, effective February 18, 2021 · 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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20