45 Lyman St, Westbrook, ME 04092 Property Records

Cumberland County and Westbrook City property record for 45 Lyman St, Westbrook, ME 04092

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,200 sqft · built 1963
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Sep 2026)
Tax Bill	$3,835 (2023)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WSBR M:039 L:112`

Property Details

APN / Parcel Number

Primary APN	`WSBR M:039 L:112`
Alternative APNs	`M:039 B:112` `3029`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	2,770 sqft
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	45 LYMAN ST
City	WESTBROOK
State	ME
Zip	04092-3540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	11
Legal Subdivision	RAYMOND HTS SEC F
Legal Lot Number	112
Jurisdiction	WESTBROOK ME
Township / Civil Division	WESTBROOK
Census Block Group	1
Census Block	1010
Census Tract	2700

Owner

Source: Cumberland County and Westbrook City records, as of October 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	44 BERKELEY ST, WESTBROOK, ME 04092-4701
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION CREDIT UNION
Sep 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EMBRACE HOME LOANS INC
May 29, 2018	Deed of Trust, Transfer EMBRACE HM LOANS
Mar 19, 2018	Deed in Lieu of Foreclosure, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2026 · Amount on File
Deed Sale	Sep 11, 2026 · Amount on File
Prior Sale	Jun 1, 2018 · Amount on File
Deed Document Number	202640089
Deed Book / Page	42538 / 270
Transfer Doc	0347170201
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTBROOK ME
Recording Date	Sep 11, 2026
Property Address	45 LYMAN ST, WESTBROOK, ME 04092-3540
Document Number	0000040089
Book / Page	42538 / 270
Instrument Date	Sep 11, 2026
Instrument	202640089
Transaction Type	Transfer
Record Updated	Sep 30, 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
Address	44 BERKELEY ST, WESTBROOK, ME 04092-4701

Mortgage

Document Number	0000040091,
Date	Sep 11, 2026
Book Page	42538/274
Instrument	202640091

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTBROOK ME
Property Address	45 LYMAN ST, WESTBROOK, ME 04092-3540
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0386760054
Date	Sep 20, 2021
Book Page	38676/54
Instrument	67490

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

May 2018: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	WESTBROOK ME
Property Address	45 LYMAN ST, WESTBROOK, ME 04092-3540
Document Number	0348810098
Instrument Date	May 29, 2018
Transaction Type	Transfer
Record Updated	Jun 20, 2018

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 LYMAN ST WESTBROOK ME 040923540, WESTBROOK, ME 04092-3540

Mortgage

Document Number	0348810098
Date	Jun 1, 2018
Book Page	034881/000098
Instrument	24772

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 31, 2048

March 2018: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	WESTBROOK ME
Recording Date	Mar 19, 2018
Property Address	45 LYMAN ST, WESTBROOK, ME 04092-3540
Document Number	0347170201
Book / Page	034717 / 000201
Instrument Date	Feb 1, 2015
Instrument	12229
Transaction Type	Foreclosure
Record Updated	May 7, 2018

Transaction

Amount	Amount on Record
Tax	$844.08
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	14221 DALLAS PKWY #1000 DALLAS TX 752542946, 1000, DALLAS, TX 75254-2946
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Cumberland County and Westbrook City assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
Municipality	Westbrook City
Unified School District	Westbrook (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2023	$3,835.00 (+10.58%)	$229,900 (+19.99%) Land $81,700 Building $148,200
2022	$3,468.00	$191,600 Land $68,100 Building $123,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 3, 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	4 in force

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

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	None beyond ember reach

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	PORTLAND WATER DISTRICT-GREATER serves 135,068 people · EPA ID ME0091300
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 451 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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