45 Main St, Topsham, ME 04086 Property Records

Sagadahoc County and Topsham Town property record for 45 Main St, Topsham, ME 04086

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,151 sqft · built 1850
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$207,000 (Feb 2016)
Tax Bill	$4,767 (2025)
Deeds & Mortgages	Nov 2019 Refinance Feb 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`TOPM M:U06 L:048`

Property Details

APN / Parcel Number

Primary APN	`TOPM M:U06 L:048`
Alternative APN	`2973`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,151 sqft Living Area
Gross Area	4,548 sqft
1st Floor Area	1,114 sqft
Attic	Attic
Attic Area	864 sqft
Basement Area	1,114 sqft
Unfinished Basement	1,114 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2973
Street Address	45 MAIN ST
City	TOPSHAM
State	ME
Zip	04086-1201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NO
Legal Lot Number	48
Jurisdiction	TOPSHAM ME
Township / Civil Division	TOPSHAM
Census Block Group	2
Census Block	2010
Census Tract	970301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Topsham Historic District listed 1978 · 56 contributing resources · NRIS 78000198

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Sagadahoc County and Topsham Town records, as of May 19, 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 MAIN ST, TOPSHAM, ME 04086-1201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ATLANTIC REGIONAL FCU
Feb 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance INTEGRITY MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2016 · Amount on Record
Deed Sale	Feb 4, 2016 · Amount on Record
Deed Document Number	2016795
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSHAM ME
Property Address	45 MAIN ST, TOPSHAM, ME 04086-1201
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008058
Date	Nov 22, 2019
Instrument	2019R-08058

Lender

Name	ATLANTIC REGIONAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2039

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSHAM ME
Property Address	45 MAIN ST, TOPSHAM, ME 04086-1201
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001544
Date	Feb 22, 2021
Instrument	2021R-01544

Lender

Name	INTEGRITY MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

Tax Assessment & Valuation

Source: Sagadahoc County and Topsham Town assessment roll, as of May 19, 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

Year	Tax Bill	Assessed Value
2025	$4,767.00 (+13.66%)	$372,400 (+20.6%) Land $54,700 Building $317,700
2023	$4,194.00 (+4.95%)	$308,800 (+11.44%) Land $48,200 Building $260,600
2022	$3,996.00	$277,100 Land $46,600 Building $230,500

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

Flood

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	2 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	BRUNSWICK/TOPSHAM WATER DISTRICT serves 18,863 people · EPA ID ME0090260
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 216 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Fidium Fiber Fiber	2,000 / 2,000
GoNetspeed Fiber	2,000 / 2,000

May also be available: Verizon.

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