40 Waterview Rd, Gray, ME 04039 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,645 sqft · built 2020
Lot Size	1.25 acres (54,450 sqft)
Owner	2 Individual Names on File
Last Sale	$612,500 (Aug 2013)
Tax Bill	$19,199 (2025)
Deeds & Mortgages	Oct 2019 Refinance Mar 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`L01002000000`

Property Details

APN / Parcel Number

Primary APN	`L01002000000`
Alternative APNs	`GRAY M:048 B:301 L:002-000` `3358`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	1 Story
Building Area	2,645 sqft Living Area
Basement Area	2,113 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Contemporary
Exterior Material	Combination
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	54,450 sqft (1.25 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Geothermal

Location & Zoning

Account Number	3358
Street Address	40 WATERVIEW RD
City	GRAY
State	ME
Zip	04039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Block	301
Legal Lot Number	2-0
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	2
Census Block	2000
Census Tract	4701

Owner

40 Waterview Rd is owned by two individuals who bought it in August 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	1149 HIGHLAND ST, HOLLISTON, MA 01746-1613
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
Oct 8, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORWAY SAVINGS BANK
Mar 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ALLY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2013 · Amount on File
Deed Sale	Aug 29, 2013 · Amount on File
Deed Document Number	201353482
Deed Book / Page	30975 / 199
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	40 WATERVIEW RD, GRAY, ME 04039
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0360520159
Date	Oct 8, 2019
Book Page	36052/159
Instrument	50420

Lender

Name	NORWAY SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Nov 1, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	40 WATERVIEW RD, GRAY, ME 04039
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0379710259
Date	Mar 24, 2021
Book Page	37971/259
Instrument	20885

Lender

Name	ALLY BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 40 Waterview Rd was $19,199.

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	$19,199.00	$1,983,400 Land $951,500 Building $1,031,900
2023	$16,492.00 (+9.44%)	$1,086,400 (+0.57%) Land $450,700 Building $635,700
2022	$15,069.00	$1,080,200 Land $450,700 Building $629,500

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

Flood

FEMA maps place 40 Waterview Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2002)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2002 · 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

Wildfire risk around 40 Waterview 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 30 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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