412 Sebago Lake Rd, Gorham, ME 04038 Property Records

Cumberland County and Gorham Town property record for 412 Sebago Lake Rd, Gorham, ME 04038

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,232 sqft · built 1965
Lot Size	0.87 acres (37,897 sqft)
Owner	Individual Name on Record
Last Sale	$440,000 (Jul 2026)
Tax Bill	$4,853 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jul 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GRHM M:89 B:47 L`

Property Details

APN / Parcel Number

Primary APN	`GRHM M:89 B:47 L`
Alternative APNs	`GRHM M:089 B:047 L:000` `2688`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
Gross Area	3,810 sqft
1st Floor Area	950 sqft
Attic	Attic
Attic Area	806 sqft
Basement Area	806 sqft
Unfinished Basement	806 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1991
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,897 sqft (0.87 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2688
Old Parcel Number	GRHM M:089 B:047 L:000
Street Address	412 SEBAGO LAKE RD
City	GORHAM
State	ME
Zip	04038-2436
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Block	47
Jurisdiction	GORHAM ME
Township / Civil Division	GORHAM
Census Block Group	2
Census Block	2008
Census Tract	4100

Owner

Source: Cumberland County and Gorham 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	59 GLENBRIDGE DR, PORTLAND, ME
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING
Jul 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING
Apr 13, 2026	Deed of Trust, Mortgage · Line of Credit CAMDEN NATIONAL BANK
Jan 10, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2026 · Amount on Record
Deed Sale	Jul 6, 2026 · Amount on Record
Prior Sale	Jan 10, 2020 · Amount on Record
Deed Book / Page	42376 / 77
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GORHAM ME
Recording Date	Jul 6, 2026
Property Address	412 SEBAGO LAKE RD, GORHAM, ME 04038-2436
Document Number	0000027583
Book / Page	42376 / 77
Instrument Date	Jul 2, 2026
Instrument	202627583
Transaction Type	Transfer
Record Updated	Jul 30, 2026

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	4237000079,
Date	Jul 6, 2026
Book Page	42376/79

Lender

Name	PROVIDENT FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GORHAM ME
Recording Date	Jul 6, 2026
Property Address	412 SEBAGO LAKE RD, GORHAM, ME 04038-2436
Document Number	0000027584
Book / Page	42376 / 79
Instrument Date	Jul 2, 2026
Instrument	202627584
Transaction Type	Mortgage
Record Updated	Jul 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 SEBAGO LAKE RD, GORHAM, ME 04038-2436

Mortgage

Document Number	0000027584,
Date	Jul 6, 2026
Book Page	42376/79
Instrument	202627584

Lender

Name	PROVIDENT FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GORHAM ME
Recording Date	Apr 13, 2026
Property Address	412 SEBAGO LAKE RD, GORHAM, ME 04038-2436
Document Number	0421740248
Book / Page	42174 / 248
Instrument Date	Apr 6, 2026
Instrument	202613678
Transaction Type	Mortgage
Record Updated	Jul 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 SEBAGO LAKE RD, GORHAM, ME 04038-2436

Mortgage

Document Number	0000013678,
Date	Apr 13, 2026
Book Page	42174/248
Instrument	202613678

Lender

Name	CAMDEN NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Max Rate	-1%

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GORHAM ME
Recording Date	Jan 10, 2020
Property Address	412 SEBAGO LAKE RD, GORHAM, ME 04038-2436
Document Number	0363350040
Book / Page	36335 / 40
Instrument Date	Jan 10, 2020
Instrument	1945
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	212 NEW GORHAM RD, WESTBROOK, ME 04092-2127

Mortgage

Document Number	1946
Date	Jan 10, 2020
Instrument	1946

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,853.00 (+0.68%)	$327,900 (-) Land $112,100 Building $215,800
2024	$4,820.00 (+14.38%)	$327,900 (-) Land $112,100 Building $215,800
2022	$4,214.00	$327,900 Land $112,100 Building $215,800

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

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

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

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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