Waldo County and Belfast City property record for 45 Union St, Belfast, ME 04915
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 4 ba · 594 sqft · built 2014 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $451,600 (Nov 2016) |
| Tax Bill | $8,945 (2025) |
| Deeds & Mortgages | Nov 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | BELF M:037 L:039 |
| Primary APN | BELF M:037 L:039 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 594 sqft Living Area |
| Basement Area | 600 sqft |
| Unfinished Basement | 600 sqft |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Conventional |
| Construction Type | Concrete |
| Roof Material | Asphalt |
| Lot Area | 9,583 sqft (0.22 acres) |
| Heating System | Heat Pump |
|---|
| Account Number | 3150 |
|---|---|
| Street Address | 45 UNION ST |
| City | BELFAST |
| State | ME |
| Zip | 04915-6724 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Lot Number | 39 |
| Jurisdiction | BELFAST ME |
| Township / Civil Division | BELFAST |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 43000 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Church Street Historic District listed 1978 · 50 contributing resources · NRIS 78000331 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Waldo County and Belfast City records, as of May 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 45 UNION ST, BELFAST, ME 04915-6724 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 18, 2016 · Amount on Record |
| Deed Sale | Nov 18, 2016 · Amount on Record |
| Prior Sale | Feb 28, 2014 · Amount on Record |
| Deed Document Number | 201611159 |
| Deed Book / Page | 4119 / 211 |
| Transfer Doc | 03847/0117 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELFAST ME |
| Property Address | 45 UNION ST, BELFAST, ME 04915-6724 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004739/174 |
|---|---|
| Date | Nov 29, 2021 |
| Book Page | 4739/174 |
| Instrument | 2021-13167 |
| Name | CAMDEN NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
Source: Waldo County and Belfast City assessment roll, as of May 22, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Waldo County |
| Municipality | Belfast City |
| Unified School District | Regional School Unit 71 (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $8,945.00 (+6.69%) | $547,400 (+0.55%) Land $166,200 Building $381,200 |
| 2024 | $8,384.00 (-0.19%) | $544,400 (+30.27%) Land $166,200 Building $378,200 |
| 2023 | $8,400.00 (-2.96%) | $417,900 (+3.31%) Land $152,400 Building $265,500 |
| 2022 | $8,656.00 | $404,500 Land $152,400 Building $252,100 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 6 (2009–2024) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Jan 2024 · Severe Storms And Flooding |
| Claims by Event |
|
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: 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BELFAST WATER DISTRICT serves 5,698 people · EPA ID ME0090140 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 164 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Tidewater O.P.E.N., UniTel.
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