Cumberland County and Gorham Town property record for 45 Phinney St, Gorham, ME 04038 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,594 sqft · built 1975 |
| Lot Size | 4.6 acres (200,376 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $237,500 (Sep 2006) |
| Tax Bill | $8,643 (2025) |
| Deeds & Mortgages | Oct 2020 Refinance Feb 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | GRHM M:043 B:003 L:000 |
| Primary APN | GRHM M:043 B:003 L:000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,594 sqft Living Area |
| Gross Area | 5,974 sqft |
| 1st Floor Area | 950 sqft |
| Attic | Attic |
| Attic Area | 624 sqft |
| Basement Area | 950 sqft |
| Unfinished Basement | 950 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 200,376 sqft (4.6 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 4480 |
|---|---|
| Street Address | 45 PHINNEY ST |
| City | GORHAM |
| State | ME |
| Zip | 04038-2061 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | FORT HILL ESTS |
| Legal Block | 3 |
| Jurisdiction | GORHAM ME |
| Township / Civil Division | GORHAM |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 4002 |
Source: Cumberland County and Gorham Town records · APN GRHM M:043 B:003 L:000
Assessment roll updated May 21, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 45 PHINNEY ST, GORHAM, ME 04038-2061 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 09, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA |
| Feb 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 01, 2006 · Amount on Record |
| Deed Sale | Sep 01, 2006 · Amount on Record |
| Deed Document Number | 200657603 |
| Deed Book / Page | 24332 / 8 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GORHAM ME |
| Property Address | 45 PHINNEY ST, GORHAM, ME 04038-2061 |
| Transaction Type | Mortgage |
| Record Updated | Feb 03, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0372830131 |
|---|---|
| Date | Oct 09, 2020 |
| Book Page | 37283/131 |
| Instrument | 64515 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GORHAM ME |
| Property Address | 45 PHINNEY ST, GORHAM, ME 04038-2061 |
| Transaction Type | Mortgage |
| Record Updated | Feb 03, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0378240237 |
|---|---|
| Date | Feb 17, 2021 |
| Book Page | 37824/237 |
| Instrument | 11347 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
Source: Cumberland County and Gorham Town records · Assessment roll updated May 21, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Cumberland County |
| County Subdivision | Gorham Town |
| Unified School District | Gorham (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $8,643.00 (+4.8%) | $584,000 (+4.1%) Land $99,800 Building $484,200 |
| 2024 | $8,247.00 (+14.4%) | $561,000 (-) Land $99,800 Building $461,200 |
| 2022 | $7,209.00 | $561,000 Land $99,800 Building $461,200 |
Source: FEMA National Flood Hazard Layer, Cumberland County (23005C), updated June 3, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 230050040024, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low above 20% of the US · above 54% of Maine |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 32 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Consolidated Communications | Fiber | 2,000 / 2,000 |
| Spectrum | Cable | 1,000 / 35 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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