Cumberland County and Harpswell Town property record for 39 Oak Ledge Rd, Harpswell, ME 04079
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,896 sqft · built 1999 |
| Lot Size | 1.56 acres (67,954 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Nov 2020) |
| Tax Bill | $2,137 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit Oct 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | HARP M:052 L:048 |
| Primary APN | HARP M:052 L:048 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,896 sqft Living Area |
| Gross Area | 4,580 sqft |
| 1st Floor Area | 1,140 sqft |
| Basement Area | 1,140 sqft |
| Unfinished Basement | 1,140 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 67,954 sqft (1.56 acres) |
| Garage Type | Attached |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 3857 |
|---|---|
| Street Address | 39 OAK LEDGE RD |
| City | HARPSWELL |
| State | ME |
| Zip | 04079-4214 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | INT |
| Legal Lot Number | 48 |
| Jurisdiction | HARPSWELL ME |
| Township / Civil Division | HARPSWELL |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 17102 |
39 Oak Ledge Rd is owned and occupied by two individuals who bought it in November 2020.
Source: Cumberland County and Harpswell Town records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 39 OAK LEDGE RD, HARPSWELL, ME 04079-4214 |
| 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.
| Date | Document |
|---|---|
| May 25, 2022 | Deed of Trust, Mortgage · Line of Credit SERVICE CU |
| Oct 7, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance SERVICE CU |
| Nov 13, 2020 | Warranty Deed, Transfer · Stand-Alone First Mortgage AUBURN SAVINGS BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 2020 · Amount on File |
| Deed Sale | Nov 13, 2020 · Amount on File |
| Deed Document Number | 202073550 |
| Deed Book / Page | 37427 / 262 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARPSWELL ME |
| Property Address | 39 OAK LEDGE RD, HARPSWELL, ME 04079-4214 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0394480214 |
|---|---|
| Date | May 25, 2022 |
| Book Page | 39448/214 |
| Instrument | 27039 |
| Name | SERVICE CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jun 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARPSWELL ME |
| Property Address | 39 OAK LEDGE RD, HARPSWELL, ME 04079-4214 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0387450311 |
|---|---|
| Date | Oct 7, 2021 |
| Book Page | 38745/311 |
| Instrument | 71751 |
| Name | SERVICE CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Nov 1, 2046 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARPSWELL ME |
| Recording Date | Nov 13, 2020 |
| Property Address | 39 OAK LEDGE RD, HARPSWELL, ME 04079-4214 |
| Document Number | 0374270262 |
| Book / Page | 37427 / 262 |
| Instrument Date | Nov 10, 2020 |
| Instrument | 73550 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Venture |
| Address | 4 ROYAL RANGE RD, SANDOWN, NH 03873-2127 |
| Document Number | 0000073551 |
|---|---|
| Date | Nov 13, 2020 |
| Instrument | 73551 |
| Name | AUBURN SAVINGS BANK FSB |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 39 Oak Ledge Rd was $2,137, up 4.7% from the year before.
Source: Cumberland County and Harpswell Town assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Cumberland County |
| County Subdivision | Harpswell Town |
| Unified School District | School Administrative District 75 (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $2,137.00 (+4.7%) | $320,900 (-) Land $67,300 Building $253,600 |
| 2024 | $2,041.00 (+4.29%) | $320,900 (-) Land $67,300 Building $253,600 |
| 2023 | $1,957.00 (+3.38%) | $320,900 (-) Land $67,300 Building $253,600 |
| 2022 | $1,893.00 | $320,900 Land $67,300 Building $253,600 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 39 Oak Ledge Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2007.
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 |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 2 (2007) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Apr 2007 · Severe Storms And Inland And Coastal Flooding |
| Claims by Event |
|
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 39 Oak Ledge Rd 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: FCC Broadband Data Collection, based on 30 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 |
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