45 Carter Rd, Troy, ME 04987 Property Records

Waldo County and Troy Town property record for 45 Carter Rd, Troy, ME 04987

Property Summary

Property Type	Single Family Home
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Last Sale	$263,000 (Mar 2026)
Tax Bill	$2,911 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Oct 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`TRRY M:006 L:031`

Property Details

APN / Parcel Number

Primary APN	`TRRY M:006 L:031`

Exterior

Lot Area	435,600 sqft (10 acres)

Location & Zoning

Street Address	45 CARTER RD
City	TROY
State	ME
Zip	04987-3319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	31
Jurisdiction	TROY ME
Township / Civil Division	TROY
Census Block Group	2
Census Block	2014
Census Tract	46002

Owner

45 Carter Rd is owned by two individuals who bought it in March 2026.

Source: Waldo County and Troy Town records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	114 MAIN RD S, A, HAMPDEN, ME 04444-1200
Owner Type	Individual
Vesting	Joint Tenants

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
Feb 27, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 21, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 27, 2026	Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC
Mar 27, 2026	Other, Transfer
May 2, 2017	Quit Claim Deed, Mortgage · FHA Mortgage CROSSCOUNTRY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2026 · Amount on File
Deed Sale	Mar 27, 2026 · Amount on File
Prior Sale	Mar 27, 2026
Deed Document Number	20262005
Deed Book / Page	5209 / 201
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TROY ME
Property Address	45 CARTER RD, TROY, ME 04987-3319
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004976/265
Date	Feb 27, 2024
Book Page	4976/265
Instrument	2024-1038

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Mar 1, 2053

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TROY ME
Property Address	45 CARTER RD, TROY, ME 04987-3319
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00004855/1
Date	Oct 21, 2022
Book Page	4855/1
Instrument	2022-9916

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TROY ME
Recording Date	Mar 27, 2026
Property Address	45 CARTER RD, TROY, ME 04987-3319
Document Number	005209/201
Book / Page	5209 / 201
Instrument Date	Mar 27, 2026
Instrument	20262005
Transaction Type	Transfer
Record Updated	Apr 15, 2026

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants
Address	114 MAIN RD S APT A, A, HAMPDEN, ME 04444-1200

Mortgage

Document Number	0020262006
Date	Mar 27, 2026
Instrument	2026-2006

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

March 2026: Other, Transfer

Document Type	Other
Jurisdiction	TROY ME
Recording Date	Mar 27, 2026
Property Address	45 CARTER RD, TROY, ME 04987-3319
Document Number	005209/199
Book / Page	5209 / 199
Instrument Date	Mar 20, 2026
Instrument	20262004
Transaction Type	Transfer
Record Updated	Apr 15, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 SMILEY AVE, WINSLOW, ME 04901-7601

May 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	TROY ME
Recording Date	May 2, 2017
Property Address	45 CARTER RD, TROY, ME 04987-3319
Document Number	0041610321
Book / Page	004161 / 000321
Instrument Date	Apr 21, 2017
Instrument	3327
Transaction Type	Mortgage
Record Updated	May 10, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CARTER RD TROY ME 049873319, TROY, ME 04987-3319

Mortgage

Document Number	41610323
Date	May 2, 2017
Book Page	004161/000323
Instrument	3328

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 45 Carter Rd was $2,911, up 12% from the year before.

Source: Waldo County and Troy Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Waldo County
County Subdivision	Troy Town
Unified School District	School Administrative District 03 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$2,911.00 (+12%)	$246,680 (+21.51%) Land $40,520 Building $206,160
2024	$2,599.00 (+14.29%)	$203,010 (-) Land $32,400 Building $170,610
2023	$2,274.00 (+18.44%)	$203,010 (+58.58%) Land $32,400 Building $170,610
2022	$1,920.00	$128,020 Land $25,000 Building $103,020

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 45 Carter Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 16, 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

Wildfire risk around 45 Carter 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)
UniTel Fiber	2,000 / 2,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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