430 Ridge Rd, Bowdoinham, ME 04008 Property Records

Sagadahoc County and Bowdoinham Town property record for 430 Ridge Rd, Bowdoinham, ME 04008

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,722 sqft · built 1998
Lot Size	9.16 acres (399,010 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,065 (2025)
Deeds & Mortgages	May 2021 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BOWN M:R02 L:012`

Property Details

APN / Parcel Number

Primary APN	`BOWN M:R02 L:012`
Alternative APN	`87`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,722 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Split Level
Lot Area	399,010 sqft (9.16 acres)

Location & Zoning

Account Number	87
Street Address	430 RIDGE RD
City	BOWDOINHAM
State	ME
Zip	04008-5209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	12
Jurisdiction	BOWDOINHAM ME
Township / Civil Division	BOWDOINHAM
Census Block Group	1
Census Block	1029
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

430 Ridge Rd is owned and occupied by two individuals who acquired it in November 2020.

Source: Sagadahoc County and Bowdoinham Town records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	430 RIDGE RD, BOWDOINHAM, ME 04008-5209
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
May 28, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 1, 2020	Warranty Deed, Transfer · VA Mortgage CAMDEN NATIONAL BANK
Aug 28, 2020	Deed of Trust, Mortgage · VA Mortgage CAMDEN NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2020
Deed Sale	Nov 2, 2020
Prior Sale	Nov 2, 2020
Deed Document Number	20208454
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Property Address	430 RIDGE RD, BOWDOINHAM, ME 04008-5209
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004552
Date	May 28, 2021
Instrument	2021R-04552

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOWDOINHAM ME
Recording Date	Sep 1, 2020
Property Address	430 RIDGE RD, BOWDOINHAM, ME 04008-5209
Document Number	0000006351
Instrument Date	Aug 28, 2020
Instrument	2020R-06351
Transaction Type	Transfer
Record Updated	Jul 25, 2022

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

Mortgage

Document Number	0000006352
Date	Sep 1, 2020
Instrument	2020R-06352

Lender

Name	CAMDEN NATIONAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Property Address	430 RIDGE RD, BOWDOINHAM, ME 04008-5209
Document Number	0000006352
Instrument Date	Aug 28, 2020
Transaction Type	Mortgage
Record Updated	Sep 17, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	430 RIDGE RD BOWDOINHAM ME 040085209, BOWDOINHAM, ME 04008-5209

Mortgage

Document Number	0000006352
Date	Sep 1, 2020
Instrument	6352

Lender

Name	CAMDEN NAT'L BK
Type	Bank
Address	ROCKPORT, ME 04856

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 31, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 430 Ridge Rd was $6,065, up 5.3% from the year before.

Source: Sagadahoc County and Bowdoinham Town assessment roll, as of July 30, 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	$6,065.00 (+5.3%)	$274,300 (-) Land $81,200 Building $193,100
2024	$5,760.00 (+7.68%)	$274,300 (-) Land $81,200 Building $193,100
2023	$5,349.00 (+29.23%)	$274,300 (+19.89%) Land $81,200 Building $193,100
2022	$4,139.00	$228,800 Land $67,600 Building $161,200

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

Flood

FEMA maps place 430 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1982.

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	1 in force
Nearby Flood Claims	3 (1982–2012)
Most Recent Claim	Jun 2012 · rainfall accumulation

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 430 Ridge 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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