45 Elm St, Jay, ME 04239 Property Records

Franklin County and Jay Town property record for 45 Elm St, Jay, ME 04239

Property Summary

Property Type	Single Family Home
Details	912 sqft
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Mar 2023)
Tax Bill	$2,550 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jun 2022 Sale & Mortgage + 1 more
APN	`JAYY M:016 L:046`

Property Details

APN / Parcel Number

Primary APN	`JAYY M:016 L:046`
Alternative APN	`870`

Interior

Building Area	912 sqft Living Area

Exterior

Lot Area	10,890 sqft (0.25 acres)

Location & Zoning

Account Number	870
Street Address	45 ELM ST
City	JAY
State	ME
Zip	04239-1725
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	46
Jurisdiction	JAY ME
Township / Civil Division	JAY
Census Block Group	4
Census Block	4003
Census Tract	971400

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

Source: Franklin County and Jay Town records, as of May 21, 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 Record
Mailing Address	45 ELM ST, JAY, ME 04239-1725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2023	Personal Representative Deed, Transfer · Stand-Alone First Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 8, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage SKOWHEGAN SAVINGS BANK
Sep 16, 2021	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2023 · Amount on Record
Deed Sale	Mar 7, 2023 · Amount on Record
Prior Sale	Jun 8, 2022 · Amount on Record
Deed Document Number	20231303
Deed Book / Page	4533 / 39
Record Updated	Sep 20, 2026

March 2023: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	JAY ME
Recording Date	Mar 7, 2023
Property Address	45 ELM ST, JAY, ME 04239-1725
Document Number	0045330039
Book / Page	4533 / 39
Instrument Date	Mar 6, 2023
Instrument	1303
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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
Address	505 BELFAST RD, CAMDEN, ME 04843-4512

Mortgage

Document Number	0000001304
Date	Mar 7, 2023
Instrument	1304

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAY ME
Recording Date	Jun 8, 2022
Property Address	45 ELM ST, JAY, ME 04239-1725
Document Number	0044590190
Book / Page	4459 / 190
Instrument Date	Jun 6, 2022
Instrument	4156
Transaction Type	Transfer
Record Updated	Jul 12, 2022

Transaction

Amount	Amount Recorded
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
Address	1 WINTER ST, NORTH ANSON, ME 04958-4100

Mortgage

Document Number	0000004157
Date	Jun 8, 2022
Instrument	4157

Lender

Name	SKOWHEGAN SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2021: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	JAY ME
Recording Date	Sep 16, 2021
Property Address	45 ELM ST, JAY, ME 04239-1725
Document Number	0043720028
Book / Page	4372 / 28
Instrument Date	Sep 1, 2021
Instrument	8955
Transaction Type	Transfer
Record Updated	Jul 12, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 SCOTLAND POINT RD, YORK, ME 03909-5222

Tax Assessment & Valuation

Source: Franklin County and Jay Town assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Franklin County
County Subdivision	Jay Town
Unified School District	Regional School Unit 73 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$2,550.00 (+15.59%)	$212,510 (+111.9%) Land $43,400 Building $169,110
2024	$2,206.00 (-21.05%)	$100,290 (-17.44%) Land $19,950 Building $80,340
2023	$2,794.00 (+79.1%)	$121,470 (+59.62%) Land $19,950 Building $101,520
2022	$1,560.00	$76,100 Land $15,450 Building $60,650

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

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

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

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	LIVERMORE FALLS WATER DISTRICT serves 2,995 people · EPA ID ME0090880
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	12 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2021 Total trihalomethanes resolved · Apr 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 411 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile.

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