46 Snows Head Rd, Harpswell, ME 04079 Property Records

Cumberland County and Harpswell Town property record for 46 Snows Head Rd, Harpswell, ME 04079

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 4,099 sqft · built 1970
Lot Size	10.2 acres (446,490 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,910 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HARP M:038 L:154`

Property Details

APN / Parcel Number

Primary APN	`HARP M:038 L:154`
Alternative APNs	`HARP M:38 L:154` `2972`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,099 sqft Living Area
Gross Area	7,651 sqft
1st Floor Area	2,405 sqft
Basement Area	1,365 sqft
Unfinished Basement	952 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	446,490 sqft (10.2 acres)
Garage Type	Attached
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Oil

Location & Zoning

Account Number	2972
Old Parcel Number	HARP M:038 L:154
Street Address	46 SNOWS HEAD RD
City	HARPSWELL
State	ME
Zip	04079-3946
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Lot Number	154
Jurisdiction	HARPSWELL ME
Township / Civil Division	HARPSWELL
Census Block Group	3
Census Block	3011
Census Tract	17102

Owner

Source: Cumberland County and Harpswell 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	46 SNOWS HEAD RD, HARPSWELL, ME 04079-3946
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed of Trust, Mortgage · Line of Credit BANGOR SAVINGS BANK
Mar 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Oct 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK

Assessor's Deed Record

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

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Recording Date	Jun 30, 2026
Property Address	46 SNOWS HEAD RD, HARPSWELL, ME 04079-3946
Document Number	0000000830
Book / Page	42364 / 230
Instrument Date	Jun 26, 2026
Instrument	2026830
Transaction Type	Mortgage
Record Updated	Jul 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 SNOWS HEAD RD, HARPSWELL, ME 04079-3946

Mortgage

Document Number	0000000830,
Date	Jun 30, 2026
Book Page	42364/230
Instrument	2026830

Lender

Name	BANGOR SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	46 SNOWS HEAD RD, HARPSWELL, ME 04079-3946
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0379790112
Date	Mar 26, 2021
Book Page	37979/112
Instrument	21330

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

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

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	46 SNOWS HEAD RD, HARPSWELL, ME 04079-3946
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0388310186
Date	Oct 29, 2021
Book Page	38831/186
Instrument	77841

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2046

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Harpswell Town
Unified School District	School Administrative District 75 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$9,910.00 (+4.71%)	$1,488,000 (-) Land $952,000 Building $536,000
2024	$9,464.00 (+4.26%)	$1,488,000 (-) Land $952,000 Building $536,000
2023	$9,077.00 (+3.25%)	$1,488,000 (-0.13%) Land $952,000 Building $536,000
2022	$8,791.00	$1,490,000 Land $952,000 Building $538,000

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	2 (2007)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal Flooding
Claims by Event	Severe Storms And Inland And Coastal Flooding, Apr 2007 · 2 claims

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 98% of the US · lower than 99% of Maine
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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