43 Saunders Rd, Poland, ME 04274 Property Records

Androscoggin County and Poland Town property record for 43 Saunders Rd, Poland, ME 04274

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,128 sqft · built 1995
Lot Size	2.58 acres (112,385 sqft)
Owner	Individual Name on File
Last Sale	$442,500 (Jan 2019)
Tax Bill	$6,759 (2024)
Deeds & Mortgages	Aug 2025 Line of Credit Aug 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:0011 L:0074-0029`

Property Details

APN / Parcel Number

Primary APN	`M:0011 L:0074-0029`
Alternative APNs	`POLA M:0011 L:0074 S:0029` `1431`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,128 sqft Living Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	112,385 sqft (2.58 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	1431
Street Address	43 SAUNDERS RD
City	POLAND
State	ME
Zip	04274-6354
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDE
Legal Subdivision	ROWE HOMESTEAD
Legal Lot Number	74
Jurisdiction	POLAND ME
Township / Civil Division	POLAND
Census Block Group	3
Census Block	3012
Census Tract	41000

Owner

43 Saunders Rd is owned and occupied by an individual who bought it in January 2019.

Source: Androscoggin County and Poland Town records, as of May 19, 2026

Owner of Record	Individual Name on File
Mailing Address	43 SAUNDERS RD, POLAND, ME 04274-6354
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
Aug 13, 2025	Deed of Trust, Mortgage · Line of Credit CMG MORTGAGE INC
Aug 19, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CMG MORTGAGE INC
Jan 4, 2019	Warranty Deed, Transfer EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2019 · Amount on File
Deed Sale	Jan 4, 2019 · Amount on File
Deed Document Number	2019268
Deed Book / Page	10006 / 182
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLAND ME
Property Address	43 SAUNDERS RD, POLAND, ME 04274-6354
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0118960097
Date	Aug 13, 2025
Book Page	11896/97
Instrument	12390

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLAND ME
Property Address	43 SAUNDERS RD, POLAND, ME 04274-6354
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0104610236
Date	Aug 19, 2020
Book Page	10461/236
Instrument	15846

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLAND ME
Recording Date	Jan 4, 2019
Property Address	43 SAUNDERS RD, POLAND, ME 04274-6354
Document Number	0100060182
Book / Page	010006 / 000182
Instrument Date	Jan 4, 2019
Instrument	268
Transaction Type	Transfer
Record Updated	Jan 17, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	251 MECHANIE FALLS RD POLAND ME 04274, POLAND, ME 04274

Mortgage

Document Number	100060184
Date	Jan 4, 2019
Book Page	010006/000184
Instrument	269

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2049

Tax Assessment & Valuation

Source: Androscoggin County and Poland Town assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Androscoggin County
County Subdivision	Poland Town
Unified School District	Regional School Unit 16 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2024	$6,759.00 (+21.19%)	$408,900 (-) Land $95,800 Building $313,100
2023	$5,577.00 (+8.38%)	$408,900 (+19.98%) Land $95,800 Building $313,100
2022	$5,146.00	$340,800 Land $79,900 Building $260,900

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

Flood

FEMA maps place 43 Saunders Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 23, 2014

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 43 Saunders Rd is low, with less than 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 94% of the US · lower than 95% of Maine
Wildfire Likelihood	Under 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 31 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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