36 Horace Files Rd, Naples, ME 04055 Property Records

Cumberland County and Naples Town property record for 36 Horace Files Rd, Naples, ME 04055

Property Summary

Property Type	Single Family Home
Details	1,545 sqft · built 2015
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Feb 2026)
Tax Bill	$3,591 (2025)
Deeds & Mortgages	Aug 2021 Refinance Feb 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`NAPL M:R09 L:0008`

Property Details

APN / Parcel Number

Primary APN	`NAPL M:R09 L:0008`
Alternative APN	`785`

Interior

Building Area	1,545 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	108,900 sqft (2.5 acres)

Location & Zoning

Account Number	785
Street Address	36 HORACE FILES RD
City	NAPLES
State	ME
Zip	04055-5236
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	8
Jurisdiction	NAPLES ME
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2013
Census Tract	14001

Owner

Source: Cumberland County and Naples 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	2 Individual Names on Record
Mailing Address	36 HORACE FILES RD, NAPLES, ME 04055-5236
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LINCOLN CAPITAL LLC
Feb 19, 2026	Warranty Deed, Transfer GUILD MORTGAGE CO
Jan 10, 2022	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Feb 10, 2020	Deed of Trust, Mortgage PEOPLESCHOICE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2026 · Amount on Record
Deed Sale	Feb 19, 2026 · Amount on Record
Prior Sale	Jan 10, 2022 · Amount on Record
Deed Document Number	20266493
Deed Book / Page	42061 / 64
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPLES ME
Property Address	36 HORACE FILES RD, NAPLES, ME 04055-5236
Transaction Type	Mortgage
Record Updated	Mar 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0385560220
Date	Aug 17, 2021
Book Page	38556/220
Instrument	59511

Lender

Name	LINCOLN CAPITAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAPLES ME
Recording Date	Feb 19, 2026
Property Address	36 HORACE FILES RD, NAPLES, ME 04055-5236
Document Number	0420610064
Book / Page	42061 / 64
Instrument Date	Feb 13, 2026
Instrument	6493
Transaction Type	Transfer
Record Updated	Mar 11, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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
Relationship	Joint Tenants

Mortgage

Document Number	0000006494
Date	Feb 19, 2026
Instrument	6494

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAPLES ME
Recording Date	Jan 10, 2022
Property Address	36 HORACE FILES RD, NAPLES, ME 04055-5236
Document Number	0390690115
Book / Page	39069 / 115
Instrument Date	Jan 7, 2022
Instrument	1433
Transaction Type	Transfer
Record Updated	May 24, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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
Relationship	Joint Tenants
Address	11 TENNEY HILL RD, CASCO, ME 04015-3402

Mortgage

Document Number	0000001434
Date	Jan 10, 2022
Instrument	1434

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPLES ME
Property Address	36 HORACE FILES RD, NAPLES, ME 04055-5236
Document Number	0364290325
Instrument Date	Feb 10, 2020
Transaction Type	Mortgage
Record Updated	Feb 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 HORACE FILES RD NAPLES ME 040555236, NAPLES, ME 04055-5236

Mortgage

Document Number	0364290325
Date	Feb 14, 2020
Book Page	036429/000325
Instrument	8590

Lender

Name	PEOPLESCHOICE CU
Type	Credit Union
Address	SACO, ME 04072

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Naples Town
Unified School District	School Administrative District 61 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,591.00 (+3.82%)	$378,033 (-) Land $76,000 Building $302,033
2023	$3,459.00 (+10.9%)	$378,033 (-) Land $76,000 Building $302,033
2022	$3,119.00	$378,033 Land $76,000 Building $302,033

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

Flood

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	7 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

4G LTE only, no 5G reported

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