415 Bay Rd, Bowdoinham, ME 04008 Property Records

Sagadahoc County and Bowdoinham Town property record for 415 Bay Rd, Bowdoinham, ME 04008

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,248 sqft · built 1791
Lot Size	35 acres (1,524,600 sqft)
Owner	2 Individual Names on File
Last Sale	$348,800 (Jun 2014)
Tax Bill	$11,628 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Feb 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`BOWN M:R09 L:023`

Property Details

APN / Parcel Number

Primary APN	`BOWN M:R09 L:023`
Alternative APN	`794`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,248 sqft Living Area

Exterior

Year Built	Built 1791
Effective Year Built	Effective 1791
Architectural Style	Ranch
Lot Area	1,524,600 sqft (35 acres)

Location & Zoning

Account Number	794
Street Address	415 BAY RD
City	BOWDOINHAM
State	ME
Zip	04008-4006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	23
Jurisdiction	BOWDOINHAM ME
Township / Civil Division	BOWDOINHAM
Census Block Group	5
Census Block	5032
Census Tract	970200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Arnold Trail to Quebec listed 1969 · 1 contributing resources · NRIS 69000018

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

415 Bay Rd is owned and occupied by two individuals who bought it in June 2014.

Source: Sagadahoc County and Bowdoinham Town records, as of May 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	415 BAY RD, BOWDOINHAM, ME 04008-4006
Occupancy	Owner Occupied
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
Apr 16, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) BATH SAVINGS INSTITUTION
Feb 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BETTER MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2014 · Amount on File
Deed Sale	Jun 16, 2014 · Amount on File
Deed Document Number	20143878
Deed Book / Page	3602 / 105
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Property Address	415 BAY RD, BOWDOINHAM, ME 04008-4006
Transaction Type	Mortgage
Record Updated	Apr 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001752
Date	Apr 16, 2024
Instrument	2024R-01752

Lender

Name	BATH SAVINGS INSTITUTION
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	May 1, 2039

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Property Address	415 BAY RD, BOWDOINHAM, ME 04008-4006
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000864
Date	Feb 1, 2021
Instrument	2021R-00864

Lender

Name	BETTER MORTGAGE CORP

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 415 Bay Rd was $11,628, up 5.3% from the year before.

Source: Sagadahoc County and Bowdoinham Town assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Sagadahoc County
County Subdivision	Bowdoinham Town
Unified School District	School Administrative District 75 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$11,628.00 (+5.29%)	$525,900 (-) Land $174,000 Building $351,900
2024	$11,044.00 (+7.69%)	$525,900 (-) Land $174,000 Building $351,900
2023	$10,255.00 (+17.35%)	$525,900 (+8.86%) Land $174,000 Building $351,900
2022	$8,739.00	$483,100 Land $145,000 Building $338,100

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

Flood

FEMA maps place 415 Bay Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 16, 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	5 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 415 Bay 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BOWDOINHAM WATER DISTRICT serves 738 people · EPA ID ME0090210
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bay Rd

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