Cumberland County and Harpswell Town property record for 38 Derek Way, Harpswell, ME 04079
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 2,236 sqft · built 2008 |
| Lot Size | 2.3 acres (100,188 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,292 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 000146021 |
| Primary APN | 000146021 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,236 sqft Living Area |
| Gross Area | 4,294 sqft |
| 1st Floor Area | 1,034 sqft |
| Basement Area | 1,034 sqft |
| Unfinished Basement | 1,034 sqft |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 100,188 sqft (2.3 acres) |
| Garage Type | Attached |
| Pool Type | Spa / Hot Tub (No Pool) |
| Boat Access | Boat Access |
| Heating System | Radiant |
|---|---|
| Heating Fuel | Oil |
| Account Number | 446 |
|---|---|
| Street Address | 38 DEREK WAY |
| City | HARPSWELL |
| State | ME |
| Zip | 04079-3090 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Lot Number | 90 |
| Jurisdiction | HARPSWELL ME |
| Township / Civil Division | HARPSWELL |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 17101 |
38 Derek Way is owned and occupied by two individuals.
Source: Cumberland County and Harpswell Town records, as of July 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 DEREK WAY, HARPSWELL, ME 04079-3090 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 38 Derek Way was $6,292, up 4.7% from the year before.
Source: Cumberland County and Harpswell Town assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Cumberland County |
| County Subdivision | Harpswell Town |
| Unified School District | School Administrative District 75 (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $6,292.00 (+4.73%) | $944,700 (-) Land $323,800 Building $620,900 |
| 2024 | $6,008.00 (+4.25%) | $944,700 (-) Land $323,800 Building $620,900 |
| 2023 | $5,763.00 (+3.39%) | $944,700 (-) Land $323,800 Building $620,900 |
| 2022 | $5,574.00 | $944,700 Land $323,800 Building $620,900 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 38 Derek Way in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 52 policies |
| Nearby Flood Policies | 52 in force |
| Nearby Flood Claims | 12 (1978–2024) |
| Claims Outside the SFHA | 3 of 12 |
| Most Recent Claim | Jan 2024 · Severe Storms And Flooding |
| Claims by Event |
|
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.
The area around 38 Derek Way has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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