45 Chapman St, Damariscotta, ME 04543 Property Records

Lincoln County and Damariscotta Town property record for 45 Chapman St, Damariscotta, ME 04543

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,056 sqft · built 1890
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$105,000 (Jun 2019)
Tax Bill	$3,377 (2025)
Deeds & Mortgages	Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DAMA M:007 L:002`

Property Details

APN / Parcel Number

Primary APN	`DAMA M:007 L:002`
Alternative APN	`590`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,056 sqft Living Area
1st Floor Area	704 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Split Level
Exterior Material	Concrete Block
Construction Type	Brick
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	590
Street Address	45 CHAPMAN ST
City	DAMARISCOTTA
State	ME
Zip	04543
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	2
Jurisdiction	DAMARISCOTTA ME
Township / Civil Division	DAMARISCOTTA
Census Block Group	3
Census Block	3043
Census Tract	975300

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

45 Chapman St is owned by an individual who bought it in June 2019.

Source: Lincoln County and Damariscotta Town records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	130 W MAIN ST, WALDOBORO, ME 04572-6030
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2019 · Amount on File
Deed Sale	Jun 3, 2019 · Amount on File
Deed Document Number	201949960
Deed Book / Page	5389 / 311
Record Updated	Sep 20, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAMARISCOTTA ME
Property Address	45 CHAPMAN ST, DAMARISCOTTA, ME 04543
Document Number	0053900001
Instrument Date	Jun 3, 2019
Transaction Type	Mortgage
Record Updated	Jul 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 W MAIN ST WALDOBORO ME 045726030, WALDOBORO, ME 04572-6030

Mortgage

Document Number	0053900001
Date	Jun 3, 2019
Book Page	005390/000001
Instrument	49961

Lender

Name	FIRST FED'L S&L ASSN/BATH
Type	Federal Savings Bank
Address	DAMARISCOTTA, ME 04543

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 45 Chapman St was $3,377, up 13.7% from the year before.

Source: Lincoln County and Damariscotta Town assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Lincoln County
County Subdivision	Damariscotta Town
Secondary School District	Damariscotta (09 - 12)
Elementary School District	Great Salt Bay Community School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,377.00 (+13.67%)	$160,600 (-) Land $82,500 Building $78,100
2024	$2,971.00	$160,600 Land $82,500 Building $78,100
2023			$308,180
2022	$2,243.00	$134,700 Land $69,300 Building $65,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 45 Chapman St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2001.

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	8 in force
Nearby Flood Claims	2 (2001–2007)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal Flooding

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 45 Chapman St 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GREAT SALT BAY SANITARY DISTRICT serves 2,143 people · EPA ID ME0090410
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Apr 2021
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Tidewater O.P.E.N. Fiber	1,000 / 1,000