48 Barnes Point Rd, Harpswell, ME 04079 Property Records

Cumberland County and Harpswell Town property record for 48 Barnes Point Rd, Harpswell, ME 04079

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,802 sqft · built 2017
Lot Size	0.92 acres (40,075 sqft)
Owner	Individual Name on File
Tax Bill	$4,673 (2025)
Deeds & Mortgages	Apr 2021 Reverse Mortgage May 2018 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`HARP M:002 L:035`

Property Details

APN / Parcel Number

Primary APN	`HARP M:002 L:035`
Alternative APN	`24`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	4,802 sqft Living Area
Gross Area	11,022 sqft
1st Floor Area	2,744 sqft
Attic	Attic
Attic Area	936 sqft
Basement Area	2,744 sqft
Unfinished Basement	2,744 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,075 sqft (0.92 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	24
Street Address	48 BARNES POINT RD
City	HARPSWELL
State	ME
Zip	04079-2725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Lot Number	35
Jurisdiction	HARPSWELL ME
Township / Civil Division	HARPSWELL
Census Block Group	1
Census Block	1004
Census Tract	17101

Owner

Source: Cumberland County and Harpswell Town assessment roll, 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	Individual Name on File
Mailing Address	48 BARNES POINT RD, HARPSWELL, ME 04079-2725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2021	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
May 25, 2018	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUND
Oct 1, 2019	Warranty Deed, Transfer NOT AVAILABLE
May 18, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	48 BARNES POINT RD, HARPSWELL, ME 04079-2725
Transaction Type	Mortgage
Record Updated	Dec 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0381220091
Date	Apr 27, 2021
Book Page	38122/91
Instrument	30138

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	841 Months
Due	May 1, 2091

Interest

Rate Type	Adjustable Rate
Rate	2.09%
Type Change Date	Jan 1, 2022
Index	LIBOR

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	48 BARNES POINT RD, HARPSWELL, ME 04079-2725
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0348640138
Date	May 25, 2018
Book Page	34864/0138
Instrument	000000023569

Lender

Name	REVERSE MORTGAGE FUND

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.77%
Type Change Date	Jun 1, 2019

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARPSWELL ME
Recording Date	Oct 1, 2019
Property Address	48 BARNES POINT RD, HARPSWELL, ME 04079-2725
Document Number	0360330331
Book / Page	036033 / 000331
Instrument Date	Oct 1, 2019
Instrument	49136
Transaction Type	Transfer
Record Updated	Oct 9, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 BARNES POINT RD HARPSWELL ME 040792725, HARPSWELL, ME 04079-2725

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	48 BARNES POINT RD, HARPSWELL, ME 04079-2725
Document Number	0348640152
Instrument Date	May 18, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 BARNES POINT RD HARPSWELL ME 040792725, HARPSWELL, ME 04079-2725

Mortgage

Document Number	0348640152
Date	May 25, 2018
Book Page	034864/000152
Instrument	23570

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	876 Months
Due	May 24, 2091

Interest

Rate Type	Adjustable Rate
Rate	4.76%

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	$4,673.00 (+4.71%)	$701,700 (-) Land $97,800 Building $603,900
2024	$4,463.00 (+4.28%)	$701,700 (-) Land $97,800 Building $603,900
2023	$4,280.00 (+3.38%)	$701,700 (-) Land $97,800 Building $603,900
2022	$4,140.00	$701,700 Land $97,800 Building $603,900

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 500 ft
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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 93% of Maine
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE only, no 5G reported

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