38 Wharf Rd, Harpswell, ME 04079 Property Records

Cumberland County and Harpswell Town property record for 38 Wharf Rd, Harpswell, ME 04079

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,440 sqft · built 1910
Lot Size	0.61 acres (26,572 sqft)
Owner	2 Individual Names on Record
Last Sale	$361,300 (Oct 2017)
Tax Bill	$3,461 (2025)
Deeds & Mortgages	Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HARP M:005 L:085`

Property Details

APN / Parcel Number

Primary APN	`HARP M:005 L:085`
Alternative APN	`202`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,440 sqft Living Area
Gross Area	2,951 sqft
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Unfinished Basement	528 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	26,572 sqft (0.61 acres)
Deck Area	Deck Area
Boat Access	Boat Access

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	202
Street Address	38 WHARF RD
City	HARPSWELL
State	ME
Zip	04079-2843
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Lot Number	85
Jurisdiction	HARPSWELL ME
Township / Civil Division	HARPSWELL
Census Block Group	1
Census Block	1007
Census Tract	17101

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Dunning, Deacon Andrew, House listed 1999 · 3 contributing resources · NRIS 99001188

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Cumberland County and Harpswell Town records, as of July 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	38 WHARF RD, HARPSWELL, ME 04079-2843
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2017 · Amount on Record
Deed Sale	Oct 23, 2017 · Amount on Record
Prior Sale	May 2, 2012 · Amount on Record
Deed Document Number	201753950
Deed Book / Page	34404 / 19
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	38 WHARF RD, HARPSWELL, ME 04079-2843
Document Number	0344040002
Instrument Date	Oct 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 WHARF RD HARPSWELL ME 040792843, HARPSWELL, ME 04079-2843

Mortgage

Document Number	0344040002
Date	Oct 23, 2017
Book Page	034404/000002
Instrument	53951

Lender

Name	FIRST INTERNET BK/IN
Type	Bank
Address	FISHERS, IN 46037

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2047

Tax Assessment & Valuation

Source: Cumberland County and Harpswell Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Harpswell Town
Unified School District	School Administrative District 75 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,461.00 (+4.72%)	$519,700 (-) Land $224,300 Building $295,400
2024	$3,305.00 (+4.26%)	$519,700 (-) Land $224,300 Building $295,400
2023	$3,170.00 (+3.39%)	$519,700 (-) Land $224,300 Building $295,400
2022	$3,066.00	$519,700 Land $224,300 Building $295,400

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

Flood

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 VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2025

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.7% of Maine
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 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
T-Mobile Fixed Wireless	100 / 20