Penobscot County and Bangor City property record for 38 Montgomery St, Bangor, ME 04401
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 3,517 sqft · built 1876 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Aug 2015) |
| Tax Bill | $10,038 (2025) |
| Deeds & Mortgages | Nov 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | BANG M:038 L:014 |
| Primary APN | BANG M:038 L:014 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 3,517 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1876 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Slate |
| Lot Area | 12,197 sqft (0.28 acres) |
| Heating System | Hot Water |
|---|
| Account Number | 343 |
|---|---|
| Street Address | 38 MONTGOMERY ST |
| City | BANGOR |
| State | ME |
| Zip | 04401-3839 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URD1 |
| Legal Lot Number | 14 |
| Jurisdiction | BANGOR ME |
| Township / Civil Division | BANGOR |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 400 |
38 Montgomery St is owned and occupied by two individuals who bought it in August 2015.
Source: Penobscot County and Bangor City records, as of July 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 MONTGOMERY ST, BANGOR, ME 04401-3839 |
| 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 |
|---|---|
| Last Sale | Aug 31, 2015 · Amount on File |
| Deed Sale | Aug 31, 2015 · Amount on File |
| Deed Document Number | 201526207 |
| Deed Book / Page | 13944 / 207 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANGOR ME |
| Property Address | 38 MONTGOMERY ST, BANGOR, ME 04401-3839 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0162660069 |
|---|---|
| Date | Nov 8, 2021 |
| Book Page | 16266/69 |
| Instrument | 38078 |
| Name | BANGOR SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 265 Months |
| Due | Dec 1, 2043 |
The 2025 property tax bill for 38 Montgomery St was $10,038, up 3% from the year before.
Source: Penobscot County and Bangor City assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Penobscot County |
| Municipality | Bangor City |
| Unified School District | Bangor (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,038.00 (+3%) | $567,100 (+7.94%) Land $42,200 Building $524,900 | |
| 2024 | $9,746.00 (+6.22%) | $525,400 (+9.66%) Land $40,100 Building $485,300 | $528,770 |
| 2023 | $9,175.00 (+14.06%) | $479,100 (+21.51%) Land $40,100 Building $439,000 | |
| 2022 | $8,044.00 | $394,300 Land $37,900 Building $356,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Montgomery St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1987.
Source: FEMA National Flood Hazard Layer, effective August 7, 2024 · 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 Claims | 2 (1987–2007) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Apr 2007 · rainfall accumulation |
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 risk around 38 Montgomery St 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BANGOR WATER DISTRICT serves 27,298 people · EPA ID ME0090110 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2024 |
| Lead | 8 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 481 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Fidium Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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