38 Fran Cir, Gray, ME 04039 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,552 sqft · built 1982
Lot Size	2.07 acres (90,169 sqft)
Owner	Individual Name on File
Last Sale	$440,000 (Sep 2022)
Tax Bill	$5,404 (2025)
Deeds & Mortgages	Sep 2022 Sale Dec 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GRAY M:056 B:017 L:031-000`

Property Details

APN / Parcel Number

Primary APN	`GRAY M:056 B:017 L:031-000`
Alternative APNs	`017031000000` `790`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,552 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Material	Metal
Lot Area	90,169 sqft (2.07 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	790
Street Address	38 FRAN CIR
City	GRAY
State	ME
Zip	04039-9797
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	CAMPBELL ACRES
Legal Block	17
Legal Lot Number	31-0
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	2
Census Block	2007
Census Tract	4701

Owner

38 Fran Cir is owned and occupied by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	38 FRAN CIR, GRAY, ME 04039-9797
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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
Sep 12, 2022	Warranty Deed, Transfer
Dec 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC
May 24, 2017	Warranty Deed, Transfer MORTGAGE NTWK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2022 · Amount on File
Deed Sale	Sep 12, 2022 · Amount on File
Prior Sale	May 24, 2017 · Amount on File
Deed Document Number	202246422
Deed Book / Page	39706 / 180
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAY ME
Recording Date	Sep 12, 2022
Property Address	38 FRAN CIR, GRAY, ME 04039-9797
Document Number	0397060180
Book / Page	39706 / 180
Instrument Date	Sep 8, 2022
Instrument	46422
Transaction Type	Transfer
Record Updated	Sep 27, 2022

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
Relationship	Joint Tenants
Address	213 NEW GORHAM RD, WESTBROOK, ME 04092-2128

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	38 FRAN CIR, GRAY, ME 04039-9797
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0376120120
Date	Dec 23, 2020
Book Page	37612/120
Instrument	85607

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAY ME
Recording Date	May 24, 2017
Property Address	38 FRAN CIR, GRAY, ME 04039-9797
Document Number	0340300279
Book / Page	034030 / 000279
Instrument Date	May 24, 2017
Instrument	23212
Transaction Type	Transfer
Record Updated	Jul 19, 2017

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	56 YARMOUTH RD GRAY ME 040399601, GRAY, ME 04039-9601

Mortgage

Document Number	340300281
Date	May 24, 2017
Book Page	034030/000281
Instrument	23213

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company
Address	DANVERS, MA 01923

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 23, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 38 Fran Cir was $5,404.

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	$5,404.00	$558,300 Land $139,000 Building $419,300
2023	$5,642.00 (+8.81%)	$371,700 (-) Land $70,700 Building $301,000
2022	$5,185.00	$371,700 Land $70,700 Building $301,000

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

Flood

FEMA maps place 38 Fran Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2002.

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	1 in force
Nearby Flood Claims	2 (2002)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2002 · river or lake flooding

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 Fran 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 7 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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