45 Pearl St, Bath, ME 04530 Property Records

Sagadahoc County and Bath City property record for 45 Pearl St, Bath, ME 04530

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	6 bd · 3.5 ba · 3,807 sqft · built 1790
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Tax Bill	$14,730 (2025)
Deeds & Mortgages	Jan 2021 Refinance Apr 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`21-028-000`

Property Details

APN / Parcel Number

Primary APN	`21-028-000`
Alternative APN	`BTTH M:21 L:028`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	3 Half Baths
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	3,807 sqft Total Area
Gross Area	6,632 sqft
1st Floor Area	1,566 sqft
Basement Area	1,566 sqft
Unfinished Basement	1,566 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1790
Effective Year Built	Effective 1790
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	8,712 sqft (0.2 acres)
Loading Dock	Loading Dock

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	21-028-000
Street Address	45 PEARL ST
City	BATH
State	ME
Zip	04530-2746
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	R1
Legal Lot Number	28
Jurisdiction	BATH ME
Township / Civil Division	BATH
Census Block Group	3
Census Block	3015
Census Tract	970500

Historic Designation

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

Historic District	Within the Bath Historic District (Additional Documentation) listed 1973 · 19 contributing resources · NRIS 73000261
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: Sagadahoc County and Bath City records, as of July 30, 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 PEARL ST, BATH, ME 04530-2746
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BATH SAVINGS INSTITUTION
Apr 24, 2019	Warranty Deed, Transfer · Line of Credit CAMDEN NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BATH ME
Property Address	45 PEARL ST, BATH, ME 04530-2746
Transaction Type	Mortgage
Record Updated	Feb 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002021R00685
Date	Jan 25, 2021
Instrument	2021R-00685

Lender

Name	BATH SAVINGS INSTITUTION
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BATH ME
Recording Date	Apr 24, 2019
Property Address	45 PEARL ST, BATH, ME 04530-2746
Document Number	0000002288
Instrument Date	Apr 24, 2019
Instrument	2288
Transaction Type	Transfer
Record Updated	May 23, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	29 RICHARDSON ST BATH ME 04530, BATH, ME 04530

Mortgage

Document Number	2289
Date	Apr 24, 2019
Instrument	2289

Lender

Name	CAMDEN NAT'L BK
Type	Bank
Address	CAMDEN, ME 04843

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Sagadahoc County and Bath City assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Sagadahoc County
Municipality	Bath City
Unified School District	Regional School Unit 01 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$14,730.00 (+28.15%)	$914,900 (+34.52%) Land $105,400 Building $809,500
2023	$11,494.00 (+3.4%)	$680,100 (+24.81%) Land $91,000 Building $589,100
2022	$11,116.00	$544,900 Land $70,000 Building $474,900

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	1 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	BATH WATER DISTRICT serves 9,205 people · EPA ID ME0090130
Water Source	Surface water
Last State Inspection	May 2023
Lead	3 ppb (2021–2023) 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 267 locations within half a mile, as of December 31, 2025

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

May also be available: Tidewater O.P.E.N., Verizon.

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