38 Union St, Belfast, ME 04915 Property Records

Waldo County and Belfast City property record for 38 Union St, Belfast, ME 04915

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,008 sqft
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (Feb 2026)
Tax Bill	$9,833 (2025)
Deeds & Mortgages	Feb 2026 Sale Sep 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BELF M:037 L:069`

Property Details

APN / Parcel Number

Primary APN	`BELF M:037 L:069`
Alternative APN	`3154`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,008 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Brick
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	3154
Street Address	38 UNION ST
City	BELFAST
State	ME
Zip	04915-6728
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	69
Jurisdiction	BELFAST ME
Township / Civil Division	BELFAST
Census Block Group	3
Census Block	3034
Census Tract	43000

Owner

38 Union St is owned and occupied by two individuals who bought it in February 2026.

Source: Waldo County and Belfast City records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	38 UNION ST, BELFAST, ME 04915-6728
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Feb 27, 2026	Warranty Deed, Transfer
Sep 2, 2025	Deed of Trust, Mortgage · Line of Credit CROSSCOUNTRY MORTGAGE INC
May 31, 2017	Deed of Trust, Mortgage · Line of Credit KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2026 · Amount on File
Deed Sale	Feb 27, 2026 · Amount on File
Deed Document Number	20261268
Deed Book / Page	5200 / 309
Record Updated	Sep 20, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELFAST ME
Recording Date	Feb 27, 2026
Property Address	38 UNION ST, BELFAST, ME 04915-6728
Document Number	005200/309
Book / Page	5200 / 309
Instrument Date	Feb 27, 2026
Instrument	20261268
Transaction Type	Transfer
Record Updated	Mar 18, 2026

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

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELFAST ME
Property Address	38 UNION ST, BELFAST, ME 04915-6728
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005144/173
Date	Sep 2, 2025
Book Page	5144/173
Instrument	2025-7529

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELFAST ME
Property Address	38 UNION ST, BELFAST, ME 04915-6728
Document Number	0041730126
Book / Page	004173 / 000126
Instrument Date	May 31, 2017
Transaction Type	Mortgage
Record Updated	Jun 20, 2017
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	38 UNION ST BELFAST ME 049156728, BELFAST, ME 04915-6728

Mortgage

Document Number	0041730126
Date	Jun 13, 2017
Book Page	004173/000126
Instrument	4759

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 12, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 38 Union St was $9,833, up 6.3% from the year before.

Source: Waldo County and Belfast City assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Waldo County
Municipality	Belfast City
Unified School District	Regional School Unit 71 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$9,833.00 (+6.35%)	$601,800 (+0.23%) Land $170,500 Building $431,300
2024	$9,246.00 (+11.87%)	$600,400 (+46.01%) Land $170,500 Building $429,900
2023	$8,265.00 (-3.11%)	$411,200 (+3.16%) Land $138,100 Building $273,100
2022	$8,530.00	$398,600 Land $138,100 Building $260,500

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

Flood

FEMA maps place 38 Union St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 16, 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	17 (1987–2024)
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jan 2024 · 3 claims

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 Union 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BELFAST WATER DISTRICT serves 5,698 people · EPA ID ME0090140
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Tidewater O.P.E.N., UniTel.

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