46 Ward Rd, Topsham, ME 04086 Property Records

Sagadahoc County and Topsham Town property record for 46 Ward Rd, Topsham, ME 04086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,928 sqft · built 1986
Lot Size	2.2 acres (95,832 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,423 (2025)
Deeds & Mortgages	Jun 2022 Refinance Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`TOPM M:R07 L:009-A`

Property Details

APN / Parcel Number

Primary APN	`TOPM M:R07 L:009-A`
Alternative APNs	`M:R07 L:009=A` `1435`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,928 sqft Living Area
Gross Area	3,688 sqft
1st Floor Area	864 sqft
Basement Area	844 sqft
Unfinished Basement	844 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	95,832 sqft (2.2 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1435
Street Address	46 WARD RD
City	TOPSHAM
State	ME
Zip	04086-6007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NO
Legal Lot Number	9-A
Jurisdiction	TOPSHAM ME
Township / Civil Division	TOPSHAM
Census Block Group	4
Census Block	4011
Census Tract	970301

Owner

46 Ward Rd is owned and occupied by two individuals who acquired it in September 2019.

Source: Sagadahoc County and Topsham Town records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	46 WARD RD, TOPSHAM, ME 04086-6007
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
Jun 21, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Nov 28, 2018	Deed of Trust, Mortgage LEADERONE FINANCIAL
Jul 6, 2018	Quit Claim Deed, Transfer CROSS COUNTRY MTG INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2019
Deed Sale	Sep 17, 2019
Prior Sale	Jul 6, 2018 · Amount on File
Deed Document Number	20196130
Prior Transfer Date	Sep 9, 2019
Prior Transfer Doc	0000006130
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSHAM ME
Property Address	46 WARD RD, TOPSHAM, ME 04086-6007
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004232
Date	Jun 21, 2022
Instrument	2022R-04232

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSHAM ME
Property Address	46 WARD RD, TOPSHAM, ME 04086-6007
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008458
Date	Nov 28, 2018
Instrument	2018R-08458

Lender

Name	LEADERONE FINANCIAL

Agreement

Amount	Amount on Record
Term	361 Months
Due	Dec 13, 2048

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TOPSHAM ME
Recording Date	Jul 6, 2018
Property Address	46 WARD RD, TOPSHAM, ME 04086-6007
Document Number	0000004474
Instrument	2018R-04474
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004475
Date	Jul 6, 2018
Instrument	2018R-04475

Lender

Name	CROSS COUNTRY MTG INC

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 6, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 46 Ward Rd was $5,423.

Source: Sagadahoc County and Topsham Town assessment roll, as of July 30, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$5,423.00	$423,700 Land $74,000 Building $349,700
2023	$4,906.00 (+4.49%)	$361,300 (+10.96%) Land $66,100 Building $295,200
2022	$4,695.00	$325,600 Land $63,900 Building $261,700

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

Flood

FEMA maps place 46 Ward Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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 46 Ward Rd is low, with 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 80% of the US · above 53% of Maine
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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