45 Rustic Ln, Portland, ME 04103 Property Records

Cumberland County and Portland City property record for 45 Rustic Ln, Portland, ME 04103

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,863 sqft · built 1975
Lot Size	0.208 acres (9,056 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Jul 2019)
Tax Bill	$7,406 (2025)
Deeds & Mortgages	Nov 2025 Second Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PTLD M:379 B:E009001`

Property Details

APN / Parcel Number

Primary APN	`PTLD M:379 B:E009001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,863 sqft Living Area
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Lot Area	9,056 sqft (0.208 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	45 RUSTIC LN
City	PORTLAND
State	ME
Zip	04103-2818
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	BARTLEY GDNS SEC H
Legal Block	E009001
Jurisdiction	PORTLAND ME
Township / Civil Division	PORTLAND
Census Block Group	2
Census Block	2008
Census Tract	2101

Owner

45 Rustic Ln is owned and occupied by two individuals who bought it in July 2019.

Source: Cumberland County and Portland City records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 RUSTIC LN, PORTLAND, ME 04103-2818
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNIVERSITY CREDIT UNION
Jul 11, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage WEBSTER FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2019 · Amount on File
Deed Sale	Jul 11, 2019 · Amount on File
Prior Sale	Jun 23, 2016 · Amount on File
Deed Document Number	201930623
Deed Book / Page	35789 / 72
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PORTLAND ME
Property Address	45 RUSTIC LN, PORTLAND, ME 04103-2818
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0418440110
Date	Nov 3, 2025
Book Page	41844/110
Instrument	45691

Lender

Name	UNIVERSITY CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2040

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PORTLAND ME
Recording Date	Jul 11, 2019
Property Address	45 RUSTIC LN, PORTLAND, ME 04103-2818
Document Number	0357890072
Book / Page	35789 / 72
Instrument Date	Jul 3, 2019
Instrument	30623
Transaction Type	Transfer
Record Updated	Feb 3, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	824 WASHINGTON AVE, PORTLAND, ME 04103-2732

Mortgage

Document Number	0000030624
Date	Jul 11, 2019
Instrument	30624

Lender

Name	WEBSTER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 45 Rustic Ln was $7,406, up 7.5% from the year before.

Source: Cumberland County and Portland City assessment roll, as of May 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$7,406.00 (+7.54%)	$618,200 (+34.74%) Land $114,300 Building $503,900
2024	$6,887.00 (+4.17%)	$458,800 (-) Land $79,500 Building $379,300
2023	$6,611.00 (+5.88%)	$458,800 (-) Land $79,500 Building $379,300
2022	$6,244.00	$458,800 Land $79,500 Building $379,300

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

Flood

FEMA maps place 45 Rustic Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2010 · rainfall accumulation

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

Wildfire risk around 45 Rustic Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.7% of Maine
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 405 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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