38 Ambrose Cir, Gray, ME 04039 Property Records

Cumberland County and Gray Town property record for 38 Ambrose Cir, Gray, ME 04039

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,288 sqft · built 2017
Lot Size	6.72 acres (292,723 sqft)
Owner	Individual Name on File
Last Sale	$304,400 (Dec 2017)
Tax Bill	$4,619 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2025 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`GRAY M:012 B:010 L:010-054`

Property Details

APN / Parcel Number

Primary APN	`GRAY M:012 B:010 L:010-054`
Alternative APNs	`010010054000` `310`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
Basement Area	548 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	292,723 sqft (6.72 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	310
Street Address	38 AMBROSE CIR
City	GRAY
State	ME
Zip	04039-9659
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BR
Legal Subdivision	MAY MDW WOODS
Legal Block	10
Legal Lot Number	10-54
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	3
Census Block	3009
Census Tract	4702

Owner

38 Ambrose Cir is owned and occupied by an individual who bought it in December 2017.

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

Owner of Record	Individual Name on File
Mailing Address	38 AMBROSE CIR, GRAY, ME 04039-9659
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
Jul 30, 2026	Deed of Trust, Mortgage CUMBERLAND COUNTY FEDERAL CREDIT UNION
Oct 30, 2025	Deed of Trust, Mortgage CUMBERLAND COUNTY FCU
Jun 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CUMBERLAND COUNTY FCU
Dec 20, 2019	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Feb 25, 2021	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
May 2, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC
Dec 8, 2017	Warranty Deed, Subdivision Related Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2017 · Amount on File
Deed Sale	Dec 8, 2017 · Amount on File
Deed Document Number	201762414
Deed Book / Page	34518 / 80
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Recording Date	Jul 30, 2026
Property Address	38 AMBROSE CIR, GRAY, ME 04039-9659
Document Number	0000032149
Book / Page	42434 / 131
Instrument Date	Jul 10, 2026
Instrument	202632149
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 AMBROSE CIR, GRAY, ME 04039-9659

Mortgage

Document Number	0000032149,
Date	Jul 30, 2026
Book Page	42434/131
Instrument	202632149

Lender

Name	CUMBERLAND COUNTY FEDERAL CREDIT UNION

Agreement

Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2041

Interest

Rate	5.84%
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	38 AMBROSE CIR, GRAY, ME 04039-9659
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0418330082
Date	Oct 30, 2025
Book Page	41833/82
Instrument	45081

Lender

Name	CUMBERLAND COUNTY FCU

Agreement

Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2035

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	38 AMBROSE CIR, GRAY, ME 04039-9659
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0357430156
Date	Jun 25, 2019
Book Page	35743/156
Instrument	27311

Lender

Name	CUMBERLAND COUNTY FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	38 AMBROSE CIR, GRAY, ME 04039-9659
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0362780140
Date	Dec 20, 2019
Book Page	36278/140
Instrument	65987

Lender

Name	NEWREZ LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	38 AMBROSE CIR, GRAY, ME 04039-9659
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0378580244
Date	Feb 25, 2021
Book Page	37858/244
Instrument	13543

Lender

Name	NEWREZ LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	38 AMBROSE CIR, GRAY, ME 04039-9659
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0393860181
Date	May 2, 2022
Book Page	39386/181
Instrument	22808

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

December 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	GRAY ME
Recording Date	Dec 8, 2017
Property Address	38 AMBROSE CIR, GRAY, ME 04039-9659
Document Number	0345180080
Book / Page	034518 / 000080
Instrument Date	Dec 7, 2017
Instrument	62414
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

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 with Right of Survivorship
Address	38 AMBROSE CIR GRAY ME 04039, GRAY, ME 04039

Mortgage

Document Number	345180082
Date	Dec 8, 2017
Book Page	034518/000082
Instrument	62415

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 7, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 38 Ambrose Cir was $4,619.

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	$4,619.00	$477,200 Land $167,100 Building $310,100
2023	$4,565.00 (+8.82%)	$300,700 (-) Land $80,400 Building $220,300
2022	$4,195.00	$300,700 Land $80,400 Building $220,300

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

Flood

FEMA maps place 38 Ambrose Cir 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	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

Wildfire risk around 38 Ambrose Cir 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.

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)
GoNetspeed Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35

Cell Coverage

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

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