40 Cottle Rd, Oakland, ME 04963 Property Records

Kennebec County and Oakland Town property record for 40 Cottle Rd, Oakland, ME 04963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 2018
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,068 (2025)
Deeds & Mortgages	Dec 2023 Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`OAKL M:003 L:007-02`

Property Details

APN / Parcel Number

Primary APN	`OAKL M:003 L:007-02`
Alternative APNs	`M:003 L:007=02` `3689`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	44,431 sqft (1.02 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	3689
Street Address	40 COTTLE RD
City	OAKLAND
State	ME
Zip	04963-4842
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL.
Legal Lot Number	7-2
Jurisdiction	OAKLAND ME
Township / Civil Division	OAKLAND
Census Block Group	2
Census Block	2011
Census Tract	25002

Historic Designation

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

Listed Area	Within Arnold Trail to Quebec listed 1969 · 1 contributing resources · NRIS 69000018

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

Owner

40 Cottle Rd is owned and occupied by two individuals.

Source: Kennebec County and Oakland Town records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	40 COTTLE RD, OAKLAND, ME 04963-4842
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
May 18, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Aug 13, 2018	Deed of Trust, Mortgage · FHA Mortgage CAMDEN NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND ME
Property Address	40 COTTLE RD, OAKLAND, ME 04963-4842
Transaction Type	Mortgage
Record Updated	Jan 1, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023025140
Date	Dec 13, 2023
Book Page	14939/167
Instrument	2023025140

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND ME
Property Address	40 COTTLE RD, OAKLAND, ME 04963-4842
Transaction Type	Mortgage
Record Updated	Jun 6, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022011405
Date	May 18, 2022
Book Page	14452/151
Instrument	2022011405

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND ME
Property Address	40 COTTLE RD, OAKLAND, ME 04963-4842
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	12992/0153
Date	Aug 13, 2018
Book Page	12992/0153
Instrument	2018017830

Lender

Name	CAMDEN NATIONAL BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 31, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 40 Cottle Rd was $2,068, up 6.8% from the year before.

Source: Kennebec County and Oakland Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Kennebec County
County Subdivision	Oakland Town
Unified School District	Regional School Unit 18 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,068.00 (+6.82%)	$132,400 (-) Land $33,000 Building $99,400
2024	$1,936.00 (+12.62%)	$132,400 (+10.89%) Land $33,000 Building $99,400
2023	$1,719.00 (-2%)	$119,400 (+17.06%) Land $33,000 Building $86,400	$248,805
2022	$1,754.00	$102,000 Land $30,000 Building $72,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 40 Cottle Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 18, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 40 Cottle 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 56 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 / 35

May also be available: Verizon.

Nearby Properties on Cottle Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures