Penobscot County and Bangor City property record for 40 Division St, Bangor, ME 04401
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,871 sqft · built 1910 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,611 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Jul 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | BANG M:039 L:159 |
| Primary APN | BANG M:039 L:159 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,871 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 5,227 sqft (0.12 acres) |
| Heating System | Hot Water |
|---|
| Account Number | 3477 |
|---|---|
| Street Address | 40 DIVISION ST |
| City | BANGOR |
| State | ME |
| Zip | 04401-4835 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URD2 |
| Legal Lot Number | 159 |
| Jurisdiction | BANGOR ME |
| Township / Civil Division | BANGOR |
| Census Block Group | 1 |
| Census Block | 1047 |
| Census Tract | 400 |
Source: Penobscot County and Bangor City records · APN BANG M:039 L:159
Assessment roll updated July 30, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 40 DIVISION ST, BANGOR, ME 04401-4835 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 19, 2025 | Deed of Trust, Mortgage · Line of Credit ACADIA FCU |
| Jul 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP |
| Aug 24, 2017 | Deed of Trust, Mortgage NEW DAY FNCL LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANGOR ME |
| Property Address | 40 DIVISION ST, BANGOR, ME 04401-4835 |
| Transaction Type | Mortgage |
| Record Updated | Oct 08, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0176340076 |
|---|---|
| Date | Sep 19, 2025 |
| Book Page | 17634/76 |
| Instrument | 25515 |
| Name | ACADIA FCU |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANGOR ME |
| Property Address | 40 DIVISION ST, BANGOR, ME 04401-4835 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0161170241 |
|---|---|
| Date | Jul 22, 2021 |
| Book Page | 16117/241 |
| Instrument | 25074 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 313 Months |
| Due | Aug 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANGOR ME |
| Property Address | 40 DIVISION ST, BANGOR, ME 04401-4835 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0145870069 |
|---|---|
| Date | Aug 24, 2017 |
| Book Page | 14587/0069 |
| Instrument | 000000026120 |
| Name | NEW DAY FNCL LLC |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 24, 2047 |
Source: Penobscot County and Bangor City records · Assessment roll updated July 30, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Penobscot County |
| Municipality | Bangor City |
| Unified School District | Bangor (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,611.00 (+0.76%) | $260,500 (+5.59%) Land $14,200 Building $246,300 | |
| 2024 | $4,576.00 (+6.3%) | $246,700 (+9.74%) Land $13,800 Building $232,900 | $256,215 |
| 2023 | $4,305.00 (+8.06%) | $224,800 (+15.1%) Land $13,800 Building $211,000 | |
| 2022 | $3,984.00 | $195,300 Land $13,800 Building $181,500 |
Source: FEMA National Flood Hazard Layer as of August 7, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (1987–2007) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Apr 2007 · rainfall accumulation |
| Wildfire Risk | Low lower than 80% of the US · above 53% of Maine |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Consolidated Communications Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile USA.
Based on FCC filings for 481 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | BANGOR WATER DISTRICT serves 27,298 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2024 |
| Lead | 8 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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