40 Horace Files Rd, Naples, ME 04055 Property Records

Cumberland County and Naples Town property record for 40 Horace Files Rd, Naples, ME 04055

Property Summary

Property Type	Exempt (Full or Partial)
Details	3 bd · 1 ba · 720 sqft
Lot Size	5.08 acres (221,285 sqft)
Owner	Individual Name on File
Last Sale	$255,000 (Jan 2022)
Tax Bill	$2,316 (2024)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`NAPL M:R09 L:0009`

Property Details

APN / Parcel Number

Primary APN	`NAPL M:R09 L:0009`
Alternative APN	`786`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	720 sqft Total Area
1st Floor Area	1,432 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft

Exterior

Architectural Style	Cape Cod
Roof Type	Gable
Roof Material	Asphalt
Lot Area	221,285 sqft (5.08 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	786
Street Address	40 HORACE FILES RD
City	NAPLES
State	ME
Zip	04055-5236
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Legal Lot Number	9
Jurisdiction	NAPLES ME
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2013
Census Tract	14001

Owner

40 Horace Files Rd is owned by an individual who bought it in January 2022.

Source: Cumberland County and Naples Town records, as of July 30, 2026

Owner of Record	Individual Name on File
Mailing Address	40 HORACE FILES RD, NAPLES, ME 04055-5236
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
Jan 10, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage MEGASTAR FINANCIAL CORP
Oct 20, 2017	Deed of Trust, Mortgage NORWAY SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2022 · Amount on File
Deed Sale	Jan 10, 2022 · Amount on File
Deed Book / Page	39065 / 281
Record Updated	Sep 20, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAPLES ME
Recording Date	Jan 10, 2022
Property Address	40 HORACE FILES RD, NAPLES, ME 04055-5236
Document Number	0390650281
Book / Page	39065 / 281
Instrument Date	Jan 6, 2022
Instrument	1255
Transaction Type	Transfer
Record Updated	Nov 20, 2025
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	39 BONYTHON AVE, SACO, ME 04072-1818

Mortgage

Document Number	0000001256
Date	Jan 10, 2022
Instrument	1256

Lender

Name	MEGASTAR FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPLES ME
Property Address	40 HORACE FILES RD, NAPLES, ME 04055-5236
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0344010251
Date	Oct 20, 2017
Book Page	34401/0251
Instrument	000000053776

Lender

Name	NORWAY SAVINGS BANK

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

Source: Cumberland County and Naples Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Naples Town
Unified School District	School Administrative District 61 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025		$248,993 (-) Land $86,320 Building $162,673
2024	$2,316.00 (+1.67%)	$248,993 (-) Land $86,320 Building $162,673
2023	$2,278.00 (+10.91%)	$248,993 (-) Land $86,320 Building $162,673
2022	$2,054.00	$248,993 Land $86,320 Building $162,673

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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

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
Nearby Flood Policies	7 in force

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

Wildfire risk around 40 Horace Files 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

4G LTE only, no 5G reported

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