470 Mountain Rd, Harpswell, ME 04079 Property Records

Cumberland County and Harpswell Town property record for 470 Mountain Rd, Harpswell, ME 04079

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,909 sqft · built 2008
Lot Size	2.74 acres (119,354 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,001 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HARP M:040 L:038`

Property Details

APN / Parcel Number

Primary APN	`HARP M:040 L:038`
Alternative APN	`3036`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,909 sqft Living Area
Gross Area	5,655 sqft
1st Floor Area	1,274 sqft
Basement Area	1,080 sqft
Unfinished Basement	600 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	119,354 sqft (2.74 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Oil

Location & Zoning

Account Number	3036
Street Address	470 MOUNTAIN RD
City	HARPSWELL
State	ME
Zip	04079-2219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	INT
Legal Lot Number	38
Jurisdiction	HARPSWELL ME
Township / Civil Division	HARPSWELL
Census Block Group	1
Census Block	1016
Census Tract	17101

Owner

470 Mountain Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	470 MOUNTAIN RD, HARPSWELL, ME 04079-2219
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 16, 2017	Deed of Trust, Mortgage BATH SAVINGS
Dec 30, 2019	Deed of Trust, Mortgage BATH SVGS INSTITUTION
Dec 17, 2018	Deed of Trust, Mortgage · Line of Credit BATH SVGS INSTITUTION

Assessor's Deed Record

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

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	470 MOUNTAIN RD, HARPSWELL, ME 04079-2219
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0344650119
Date	Nov 16, 2017
Book Page	34465/0119
Instrument	000000058512

Lender

Name	BATH SAVINGS

Agreement

Amount	Amount on Record

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	470 MOUNTAIN RD, HARPSWELL, ME 04079-2219
Document Number	0363240045
Instrument Date	Dec 30, 2019
Transaction Type	Mortgage
Record Updated	Jan 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 MOUNTAIN RD HARPSWELL ME 040792219, HARPSWELL, ME 04079-2219

Mortgage

Document Number	0363240045
Date	Jan 8, 2020
Book Page	036324/000045
Instrument	1060

Lender

Name	BATH SVGS INSTITUTION
Address	BATH, ME 04530

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.62%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	470 MOUNTAIN RD, HARPSWELL, ME 04079-2219
Document Number	0353640140
Instrument Date	Dec 17, 2018
Transaction Type	Mortgage
Record Updated	Jan 9, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 MOUNTAIN RD HARPSWELL ME 040792219, HARPSWELL, ME 04079-2219

Mortgage

Document Number	0353640140
Date	Dec 19, 2018
Book Page	035364/000140
Instrument	64134

Lender

Name	BATH SVGS INSTITUTION
Address	BRUNSWICK, ME 04011

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 470 Mountain Rd was $4,001, up 4.7% from the year before.

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	$4,001.00 (+4.74%)	$600,700 (-) Land $111,100 Building $489,600
2024	$3,820.00 (+4.26%)	$600,700 (-) Land $111,100 Building $489,600
2023	$3,664.00 (+3.39%)	$600,700 (-) Land $111,100 Building $489,600
2022	$3,544.00	$600,700 Land $111,100 Building $489,600

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

Flood

FEMA maps place 470 Mountain Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2025

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 470 Mountain 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 32 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Mountain Rd

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