48 Cliff Rd, Gray, ME 04039 Property Records

Cumberland County and Gray Town property record for 48 Cliff Rd, Gray, ME 04039

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,079 sqft · built 2024
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$180,100 (Jul 2019)
Tax Bill	$7,303 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Jul 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`F0119A000000`

Property Details

APN / Parcel Number

Primary APN	`F0119A000000`
Alternative APNs	`GRAY M:074 B:201 L:019-001` `3274`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,079 sqft Living Area
Basement Area	770 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	3274
Street Address	48 CLIFF RD
City	GRAY
State	ME
Zip	04039-5413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Block	201
Legal Lot Number	19-1
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	1
Census Block	1036
Census Tract	4702

Owner

48 Cliff Rd is owned and occupied by an individual who bought it in July 2019.

Source: Cumberland County and Gray Town records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	48 CLIFF RD, GRAY, ME 04039-5413
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 7, 2022	Deed of Trust, Mortgage · Line of Credit BANGOR SAVINGS BANK
Jul 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Jul 3, 2019	Deed of Trust, Transfer MORTGAGE NTWK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2019 · Amount on File
Deed Sale	Jul 3, 2019 · Amount on File
Deed Document Number	201929685
Deed Book / Page	35776 / 263
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	48 CLIFF RD, GRAY, ME 04039-5413
Transaction Type	Mortgage
Record Updated	Nov 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0398300203
Date	Nov 7, 2022
Book Page	39830/203
Instrument	55607

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	48 CLIFF RD, GRAY, ME 04039-5413
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0369520273
Date	Jul 21, 2020
Book Page	36952/273
Instrument	41139

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

July 2019: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	48 CLIFF RD, GRAY, ME 04039-5413
Document Number	0357760265
Instrument Date	Jul 3, 2019
Transaction Type	Transfer
Record Updated	Jul 26, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 CLIFF RD GRAY ME 040395413, GRAY, ME 04039-5413

Mortgage

Document Number	0357760265
Date	Jul 3, 2019
Book Page	035776/000265
Instrument	29686

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company
Address	DANVERS, MA 01923

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 48 Cliff Rd was $7,303.

Source: Cumberland County and Gray Town assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Gray Town
Unified School District	School Administrative District 15 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$7,303.00	$754,400 Land $199,500 Building $554,900
2023	$3,523.00 (+8.8%)	$232,100 (-) Land $123,200 Building $108,900
2022	$3,238.00	$232,100 Land $123,200 Building $108,900

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

Flood

FEMA maps place 48 Cliff Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearby Flood Policies	2 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 48 Cliff Rd is low, with less than 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 97% of the US · lower than 98.5% of Maine
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GRAY WATER DISTRICT serves 2,468 people · EPA ID ME0090620
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Oct 2024
Treatment and Procedure	Coliform assessment Nov 2024
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Fidium Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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