40 Rivers Edge Rd, Gray, ME 04039 Property Records

Cumberland County and Gray Town property record for 40 Rivers Edge Rd, Gray, ME 04039

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,444 sqft · built 2017
Lot Size	2.63 acres (114,563 sqft)
Owner	Individual Name on Record
Last Sale	$233,400 (Jun 2017)
Tax Bill	$4,535 (2025)
Deeds & Mortgages	Oct 2025 Transfer Oct 2021 Refinance + 1 more
Flood Zone	Zone AE (high risk)
APN	`0225J 000000`

Property Details

APN / Parcel Number

Primary APN	`0225J 000000`
Alternative APNs	`GRAY M:062 B:022 L:005-014` `1211`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,444 sqft Living Area
Basement Area	354 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	114,563 sqft (2.63 acres)

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	1211
Street Address	40 RIVERS EDGE RD
City	GRAY
State	ME
Zip	04039-9569
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	22
Legal Lot Number	5-14
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	4
Census Block	4017
Census Tract	4702

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	40 RIVERS EDGE RD, GRAY, ME 04039-9569
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2025	Quit Claim Deed, Transfer Quitclaim
Oct 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Jun 2, 2017	Intrafamily Transfer, Transfer · FHA Mortgage RESIDENTIAL MTG SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2017 · Amount on Record
Deed Sale	Jun 2, 2017 · Amount on Record
Deed Book / Page	34054 / 212
Last Transfer Date	Oct 8, 2025
Transfer Doc	0417810132
Record Updated	Sep 20, 2026

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GRAY ME
Recording Date	Oct 9, 2025
Property Address	40 RIVERS EDGE RD, GRAY, ME 04039-9569
Document Number	0417810132
Book / Page	41781 / 132
Instrument Date	Oct 8, 2025
Instrument	41624
Transaction Type	Transfer
Record Updated	Oct 29, 2025

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 RIVERS EDGE RD, GRAY, ME 04039-9569

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	40 RIVERS EDGE RD, GRAY, ME 04039-9569
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0388310038
Date	Oct 29, 2021
Book Page	38831/38
Instrument	77821

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

June 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARPSWELL ME
Recording Date	Jun 2, 2017
Property Address	40 RIVERS EDGE RD, GRAY, ME 04039-9569
Document Number	0340540212
Book / Page	34054 / 0212
Instrument	000000024965
Transaction Type	Transfer
Record Updated	Feb 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0340540214
Date	Jun 2, 2017
Book Page	34054/0214
Instrument	000000024966

Lender

Name	RESIDENTIAL MTG SVCS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 16, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Gray Town
Unified School District	School Administrative District 15 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,535.00 (+2.16%)	$468,500 (+2.38%) Land $137,200 Building $331,300
2024	$4,439.00 (+5.31%)	$457,600 (+64.78%) Land $137,200 Building $320,400
2023	$4,215.00 (+8.8%)	$277,700 (-) Land $57,400 Building $220,300
2022	$3,874.00	$277,700 Land $57,400 Building $220,300

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 3, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 in force
Nearby Flood Claims	7 (1983–2007)
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal Flooding
Claims by Event	Severe Storms & Flooding, May 1989 · 2 claims

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 9 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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