Penobscot County and Brewer City property record for 386 Elm St, Brewer, ME 04412
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,646 sqft · built 1900 |
| Lot Size | 1.03 acres (44,867 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,457 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Apr 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-005 |
| Primary APN | 12-005 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,646 sqft Living Area |
| Gross Area | 2,352 sqft |
| 1st Floor Area | 924 sqft |
| Basement Area | 588 sqft |
| Unfinished Basement | 588 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 44,867 sqft (1.03 acres) |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 2612447 |
|---|---|
| Street Address | 386 ELM ST |
| City | BREWER |
| State | ME |
| Zip | 04412-1743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RURAL |
| Legal Lot Number | 5 |
| Jurisdiction | BREWER ME |
| Township / Civil Division | BREWER |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 4200 |
386 Elm St is owned and occupied by an individual.
Source: Penobscot County and Brewer City records, as of July 30, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 386 ELM ST, BREWER, ME 04412-1743 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 4, 2026 | Deed of Trust, Mortgage · Conventional Mortgage IMPERIAL LENDING LLC |
| Apr 19, 2024 | Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAPITAL LLC |
| Mar 14, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Aug 7, 2018 | Deed of Trust, Mortgage PENQUIS CAP INC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREWER ME |
| Recording Date | May 4, 2026 |
| Property Address | 386 ELM ST, BREWER, ME 04412-1743 |
| Document Number | 0178600080 |
| Book / Page | 17860 / 80 |
| Instrument Date | Jan 22, 2026 |
| Instrument | 202610908 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 386 ELM ST, BREWER, ME 04412-1743 |
| Document Number | 0000010908, |
|---|---|
| Date | May 4, 2026 |
| Book Page | 17860/80 |
| Instrument | 202610908 |
| Name | IMPERIAL LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.18% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREWER ME |
| Property Address | 386 ELM ST, BREWER, ME 04412-1743 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0171180231 |
|---|---|
| Date | Apr 19, 2024 |
| Book Page | 17118/231 |
| Instrument | 7876 |
| Name | RELIANCE FIRST CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREWER ME |
| Property Address | 386 ELM ST, BREWER, ME 04412-1743 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0164090246 |
|---|---|
| Date | Mar 14, 2022 |
| Book Page | 16409/246 |
| Instrument | 6895 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREWER ME |
| Property Address | 386 ELM ST, BREWER, ME 04412-1743 |
| Document Number | 0149270227 |
| Instrument Date | Aug 7, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 386 ELM ST BREWER ME 044121743, BREWER, ME 04412-1743 |
| Document Number | 0149270227 |
|---|---|
| Date | Sep 5, 2018 |
| Book Page | 014927/000227 |
| Instrument | 26461 |
| Name | PENQUIS CAP INC |
|---|---|
| Type | Bank |
| Address | BANGOR, ME 04401 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 386 Elm St was $3,457, down 1.9% from the year before.
Source: Penobscot County and Brewer City assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Penobscot County |
| Municipality | Brewer City |
| Unified School District | Brewer (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,457.00 (-1.93%) | $224,500 (+19.73%) Land $32,700 Building $191,800 | |
| 2024 | $3,525.00 (+6.69%) | $187,500 (+14.05%) Land $32,700 Building $154,800 | |
| 2023 | $3,304.00 | $164,400 Land $31,400 Building $133,000 | $292,030 |
| 2021 | $3,024.00 | $135,600 Land $30,100 Building $105,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 386 Elm 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 August 7, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 386 Elm 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 | Direct burnable vegetation |
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 | BREWER WATER DEPARTMENT serves 8,860 people · EPA ID ME0090220 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2024 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber | 2,000 / 2,000 |
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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