45 Wards Cove Rd, Standish, ME 04084 Property Records

Cumberland County and Standish Town property record for 45 Wards Cove Rd, Standish, ME 04084

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,346 sqft · built 2014
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Tax Bill	$14,918 (2025)
Deeds & Mortgages	Nov 2020 Refinance Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`STAN M:50 L:15`

Property Details

APN / Parcel Number

Primary APN	`STAN M:50 L:15`
Alternative APN	`M1955R`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,346 sqft Living Area
Gross Area	6,704 sqft
1st Floor Area	2,488 sqft
Attic	Attic
Attic Area	528 sqft
Basement Area	1,540 sqft
Unfinished Basement	1,540 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	M1955R
Street Address	45 WARDS COVE RD
City	STANDISH
State	ME
Zip	04084-5730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Lot Number	15
Jurisdiction	STANDISH ME
Township / Civil Division	STANDISH
Census Block Group	2
Census Block	2005
Census Tract	17002

Owner

Source: Cumberland County and Standish Town 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 WARDS COVE RD, STANDISH, ME 04084-5730
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance UNIVERSITY CREDIT UNION
Nov 16, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2020
Deed Sale	Jul 16, 2020
Deed Document Number	202039911
Deed Book / Page	36935 / 53
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANDISH ME
Property Address	45 WARDS COVE RD, STANDISH, ME 04084-5730
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0374010263
Date	Nov 6, 2020
Book Page	37401/263
Instrument	72008

Lender

Name	UNIVERSITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANDISH ME
Property Address	45 WARDS COVE RD, STANDISH, ME 04084-5730
Document Number	0344820027
Book / Page	034482 / 000027
Instrument Date	Nov 16, 2017
Transaction Type	Mortgage
Record Updated	Dec 4, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 WARDS COVE RD STANDISH ME 040845730, STANDISH, ME 04084-5730

Mortgage

Document Number	0344820027
Date	Nov 22, 2017
Book Page	034482/000027
Instrument	59705

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, ME 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2047

Tax Assessment & Valuation

Source: Cumberland County and Standish Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Standish Town
Unified School District	School Administrative District 06 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$14,918.00 (+4.67%)	$1,203,100 (+6.37%) Land $577,100 Building $626,000
2024	$14,252.00 (+14.03%)	$1,131,100 (+25.34%) Land $533,900 Building $597,200
2023	$12,498.00 (+9.19%)	$902,400 (+13.93%) Land $404,300 Building $498,100
2022	$11,446.00	$792,100 Land $358,700 Building $433,400

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	4 (1998–2010)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Feb 2010 · Severe Winter Storm

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 95% of the US · lower than 97.3% of Maine
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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