42 Ladd Rd, Rome (Oakland), ME 04963 Property Records

Kennebec County and Rome Town property record for 42 Ladd Rd, Rome, ME 04963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,538 sqft · built 1993
Lot Size	1.24 acres (54,014 sqft)
Owner	Individual Name on File
Last Sale	$37,000 (Mar 2013)
Tax Bill	$2,034 (2025)
Deeds & Mortgages	Mar 2024 Refinance Mar 2025 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ROME M:09 L:013`

Property Details

APN / Parcel Number

Primary APN	`ROME M:09 L:013`
Alternative APN	`752`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,538 sqft Living Area
Gross Area	1,768 sqft
1st Floor Area	780 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Multi-Family
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	54,014 sqft (1.24 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	752
Street Address	42 LADD RD
City	ROME
State	ME
Zip	04963-3032
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	13
Jurisdiction	ROME ME
Township / Civil Division	ROME
Census Block Group	1
Census Block	1005
Census Tract	15500

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

42 Ladd Rd is owned and occupied by an individual who bought it in March 2013.

Source: Kennebec County and Rome Town records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	42 LADD RD, ROME, ME 04963-3032
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
Mar 27, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance MAINE STATE CREDIT UNION
Mar 31, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance MAINE STATE CREDIT UNION
Feb 11, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Sep 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2013 · Amount on File
Deed Sale	Mar 18, 2013 · Amount on File
Deed Document Number	20136118
Deed Book / Page	11330 / 276
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROME ME
Property Address	42 LADD RD, ROME, ME 04963-3032
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024005925
Date	Mar 27, 2024
Book Page	15009/269
Instrument	2024005925

Lender

Name	MAINE STATE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2034

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROME ME
Property Address	42 LADD RD, ROME, ME 04963-3032
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025005930
Date	Mar 31, 2025
Book Page	15327/160
Instrument	2025005930

Lender

Name	MAINE STATE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROME ME
Property Address	42 LADD RD, ROME, ME 04963-3032
Transaction Type	Mortgage
Record Updated	Mar 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2026002621
Date	Feb 11, 2026
Book Page	15636/158
Instrument	2026002621

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2046

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROME ME
Property Address	42 LADD RD, ROME, ME 04963-3032
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025020207
Date	Sep 15, 2025
Book Page	15492/250
Instrument	2025020207

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 42 Ladd Rd was $2,034, up 3.6% from the year before.

Source: Kennebec County and Rome Town assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Kennebec County
County Subdivision	Rome Town
Unified School District	Regional School Unit 18 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$2,034.00 (+3.62%)	$322,800 (+104.69%) Land $55,700 Building $267,100
2024	$1,963.00	$157,700 Land $25,900 Building $131,800
2022	$1,798.00	$157,700 Land $25,900 Building $131,800

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

Flood

FEMA maps place 42 Ladd Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective February 18, 2021 · 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
Nearby Flood Claims	1 (2024)
Most Recent Claim	Mar 2024 · other causes

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 42 Ladd 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000

Cell Coverage

5G and 4G LTE (outdoors only)

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