40 Bay Ledges Rd, Phippsburg, ME 04562 Property Records

Sagadahoc County and Phippsburg Town property record for 40 Bay Ledges Rd, Phippsburg, ME 04562

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,852 sqft · built 1983
Lot Size	6.1 acres (265,716 sqft)
Owner	2 Trust Names on Record
Last Sale	$1,600,000 (Jun 2022)
Tax Bill	$7,123 (2025)
Deeds & Mortgages	Jan 2026 Sale Jul 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`PHIP M:017 L:013`

Property Details

APN / Parcel Number

Primary APN	`PHIP M:017 L:013`
Alternative APN	`1558`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	1,852 sqft Living Area
1st Floor Area	793 sqft
Basement Area	793 sqft
Unfinished Basement	793 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	265,716 sqft (6.1 acres)
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	1558
Street Address	40 BAY LEDGES RD
City	PHIPPSBURG
State	ME
Zip	04562-4727
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Lot Number	13
Jurisdiction	PHIPPSBURG ME
Township / Civil Division	PHIPPSBURG
Census Block Group	2
Census Block	2009
Census Tract	970700

Owner

Source: Sagadahoc County and Phippsburg Town records, as of May 19, 2026

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

Owner of Record	2 Trust Names on Record
Mailing Address	40 BAY LEDGES RD, PHIPPSBURG, ME 04562-4727
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2026	Personal Representative Deed, Transfer
Jul 8, 2020	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK
Jun 20, 2018	Deed of Trust, Mortgage CITIZENS BANK
Jun 28, 2022	Warranty Deed, Transfer
May 2, 2017	Warranty Deed, Transfer CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2022 · Amount on Record
Deed Sale	Jun 28, 2022 · Amount on Record
Prior Sale	May 2, 2017 · Amount on Record
Deed Document Number	2022R04420
Last Transfer Date	Jan 8, 2026
Transfer Doc	0000000167
Record Updated	Jun 8, 2026

January 2026: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	PHIPPSBURG ME
Recording Date	Jan 12, 2026
Property Address	40 BAY LEDGES RD, PHIPPSBURG, ME 04562-4727
Document Number	0000000167
Book / Page	2026 / 167
Instrument Date	Jan 8, 2026
Instrument	2026R-00167
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PHIPPSBURG ME
Property Address	40 BAY LEDGES RD, PHIPPSBURG, ME 04562-4727
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004622
Date	Jul 8, 2020
Instrument	2020R-04622

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2045

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PHIPPSBURG ME
Property Address	40 BAY LEDGES RD, PHIPPSBURG, ME 04562-4727
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003947
Date	Jun 20, 2018
Instrument	2018R-03947

Lender

Name	CITIZENS BANK

Agreement

Amount	Amount Recorded

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PHIPPSBURG ME
Recording Date	Jun 28, 2022
Property Address	40 BAY LEDGES RD, PHIPPSBURG, ME 04562-4727
Document Number	0000004420
Instrument Date	Jun 24, 2022
Instrument	2022R-04420
Transaction Type	Transfer
Record Updated	Mar 6, 2023

Transaction

Amount	Amount Recorded
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
Address	429 GARRATY RD, SAN ANTONIO, TX 78209-5938

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PHIPPSBURG ME
Recording Date	May 2, 2017
Property Address	40 BAY LEDGES RD, PHIPPSBURG, ME 04562-4727
Document Number	0000002923
Instrument	2017R-02923
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002924
Date	May 2, 2017
Instrument	2017R-02924

Lender

Name	CITIZENS BANK

Agreement

Amount	Amount Recorded
Term	180 Months
Due	May 2, 2032

Tax Assessment & Valuation

Source: Sagadahoc County and Phippsburg Town assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Sagadahoc County
County Subdivision	Phippsburg Town
Unified School District	Regional School Unit 01 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$7,123.00 (+4.83%)	$576,800 (-) Land $335,200 Building $241,600
2024	$6,795.00 (+2.97%)	$576,800 (-) Land $335,200 Building $241,600
2023	$6,599.00 (+13.05%)	$576,800 (-) Land $335,200 Building $241,600
2022	$5,837.00	$576,800 Land $335,200 Building $241,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Flood Insurance Cost	Premium on Record median of 47 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	47 in force
Nearby Flood Claims	13 (1983–2024)
Claims Outside the SFHA	5 of 13
Most Recent Claim	Mar 2024 · river or lake flooding

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

Cell Coverage

4G LTE only, no 5G reported

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