45 Cathance Rd, Topsham, ME 04086 Property Records

Sagadahoc County and Topsham Town property record for 45 Cathance Rd, Topsham, ME 04086

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,107 sqft · built 1984
Lot Size	1.6 acres (69,696 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Dec 2024)
Tax Bill	$4,145 (2025)
Deeds & Mortgages	Dec 2024 Sale & Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`TOPM M:R09 L:006`

Property Details

APN / Parcel Number

Primary APN	`TOPM M:R09 L:006`
Alternative APN	`3543`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,107 sqft Living Area
Gross Area	2,342 sqft
1st Floor Area	1,107 sqft
Basement Area	1,107 sqft
Unfinished Basement	1,107 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Ranch
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	69,696 sqft (1.6 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3543
Street Address	45 CATHANCE RD
City	TOPSHAM
State	ME
Zip	04086-5512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NO
Legal Lot Number	6
Jurisdiction	TOPSHAM ME
Township / Civil Division	TOPSHAM
Census Block Group	3
Census Block	3001
Census Tract	970301

Owner

Source: Sagadahoc County and Topsham Town records · APN TOPM M:R09 L:006

Assessment roll updated July 30, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	45 CATHANCE RD, TOPSHAM, ME 04086-5512
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage BATH SAVINGS INSTITUTION
Jun 05, 2017	Deed of Trust, Mortgage FIVE CNTY CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 17, 2024 · Amount on Record
Deed Sale	Dec 17, 2024 · Amount on Record
Deed Book / Page	2024 / 6593
Record Updated	Sep 20, 2026

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TOPSHAM ME
Recording Date	Dec 17, 2024
Property Address	45 CATHANCE RD, TOPSHAM, ME 04086-5512
Document Number	0000006593
Book / Page	2024 / 6593
Instrument Date	Dec 13, 2024
Instrument	2024R-06593
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount Recorded
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	45 CATHANCE RD, TOPSHAM, ME 04086-5512

Mortgage

Document Number	0000006594
Date	Dec 17, 2024
Instrument	2024R-06594

Lender

Name	BATH SAVINGS INSTITUTION
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	7.13%
Type Change Date	Jan 01, 2035
Max Rate At Change	1.75%
Index	1-Year CMT

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSHAM ME
Property Address	45 CATHANCE RD, TOPSHAM, ME 04086-5512
Document Number	0000003818
Instrument Date	Jun 05, 2017
Transaction Type	Mortgage
Record Updated	Jun 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CATHANCE RD TOPSHAM ME 040865512, TOPSHAM, ME 04086-5512

Mortgage

Document Number	0000003818
Date	Jun 12, 2017
Instrument	3818

Lender

Name	FIVE CNTY CU
Type	Credit Union
Address	BATH, ME 04530

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 11, 2032

Tax Assessment & Valuation

Source: Sagadahoc County and Topsham Town records · Assessment roll updated July 30, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2025	$4,145.00 (+7.11%)	$323,800 (+13.61%) Land $69,200 Building $254,600
2023	$3,870.00 (+9.26%)	$285,000 (+16.04%) Land $61,300 Building $223,700
2022	$3,542.00	$245,600 Land $59,100 Building $186,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 16, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 53% of Maine
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 31 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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