Kennebec County and Sidney Town property record for 48 Howard Cir, Sidney, ME 04330
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.24 acres (54,014 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $22,600 (Sep 2019) |
| Tax Bill | $2,440 (2025) |
| Deeds & Mortgages | Apr 2025 Mortgage May 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:040 L:004=009 |
| Primary APN | M:040 L:004=009 |
|---|---|
| Alternative APNs |
|
| Fireplaces | 1 Fireplace |
|---|---|
| Fireplace | Fireplace |
| Lot Area | 54,014 sqft (1.24 acres) |
|---|
| Account Number | 2550 |
|---|---|
| Street Address | 48 HOWARD CIR |
| City | SIDNEY |
| State | ME |
| Zip | 04330-2650 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 4-9 |
| Jurisdiction | SIDNEY ME |
| Township / Civil Division | SIDNEY |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 17000 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Listed Area | Within Arnold Trail to Quebec listed 1969 · 1 contributing resources · NRIS 69000018 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
48 Howard Cir is owned and occupied by two individuals who bought it in September 2019.
Source: Kennebec County and Sidney Town records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 48 HOWARD CIR, SIDNEY, ME 04330-2650 |
| 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.
| Date | Document |
|---|---|
| Apr 23, 2025 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) KENNEBEC SAVINGS BANK |
| May 17, 2022 | Warranty Deed, Transfer |
| Sep 16, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage KENNEBEC SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2019 · Amount on File |
| Deed Sale | Sep 16, 2019 · Amount on File |
| Deed Book / Page | 13335 / 159 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SIDNEY ME |
| Property Address | 48 HOWARD CIR, SIDNEY, ME 04330-2650 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2025007602 |
|---|---|
| Date | Apr 23, 2025 |
| Book Page | 15346/253 |
| Instrument | 2025007602 |
| Name | KENNEBEC SAVINGS BANK |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | May 1, 2030 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SIDNEY ME |
| Recording Date | May 17, 2022 |
| Property Address | 43 HOWARD CIR, SIDNEY, ME 04330-2650 |
| Document Number | 20220011321 |
| Book / Page | 14451 / 115 |
| Instrument Date | May 13, 2022 |
| Instrument | 20220011321 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 43 HOWARD CIR, SIDNEY, ME 04330-2650 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SIDNEY ME |
| Recording Date | Sep 16, 2019 |
| Property Address | 48 HOWARD CIR, SIDNEY, ME 04330-2650 |
| Document Number | 2019021314 |
| Book / Page | 13335 / 159 |
| Instrument Date | Sep 11, 2019 |
| Instrument | 2019021314 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 43 HOWARD CIR, SIDNEY, ME 04330-2650 |
| Document Number | 2019021315 |
|---|---|
| Date | Sep 16, 2019 |
| Instrument | 2019021315 |
| Name | KENNEBEC SAVINGS BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Oct 1, 2022 |
| Max Rate At Change | 4% |
| Index | 3-Year CMT |
| Margin | 4 |
The 2025 property tax bill for 48 Howard Cir was $2,440, up 5.9% from the year before.
Source: Kennebec County and Sidney Town assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Kennebec County |
| County Subdivision | Sidney Town |
| Unified School District | Regional School Unit 18 (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $2,440.00 (+5.9%) | $391,000 (+47.66%) Land $91,100 Building $299,900 |
| 2024 | $2,304.00 (+4.21%) | $264,800 (-) Land $60,700 Building $204,100 |
| 2023 | $2,211.00 (+678.52%) | $264,800 (+641.74%) Land $60,700 Building $204,100 |
| 2022 | $284.00 | $35,700 Land $35,700 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 48 Howard Cir in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 18, 2021 · 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 |
| Nearby Flood Policies | 1 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 risk around 48 Howard Cir 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.
Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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