Cumberland County and Gray Town property record for 48 Shore Rd, Gray, ME 04039
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 713 sqft · built 1989 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,993 (2025) |
| Deeds & Mortgages | Jul 2022 Refinance Aug 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | F02023000000 |
| Primary APN | F02023000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 713 sqft Living Area |
| Basement Area | 240 sqft |
| Unfinished Basement | 240 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Material | Asphalt |
| Lot Area | 6,970 sqft (0.16 acres) |
| Deck Area | Deck Area |
| Heating System | Baseboard |
|---|
| Account Number | 3297 |
|---|---|
| Street Address | 48 SHORE RD |
| City | GRAY |
| State | ME |
| Zip | 04039 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Subdivision | FOREST LK SHORES |
| Legal Block | 202 |
| Legal Lot Number | 23-0 |
| Jurisdiction | GRAY ME |
| Township / Civil Division | GRAY |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 4702 |
Source: Cumberland County and Gray Town records, 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 Record |
|---|---|
| Mailing Address | PO BOX 621, GRAY, ME 04039-0621 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 6, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance NORWAY SAVINGS BANK |
| Aug 10, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NORWAY SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRAY ME |
| Property Address | 48 SHORE RD, GRAY, ME 04039 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0395520113 |
|---|---|
| Date | Jul 6, 2022 |
| Book Page | 39552/113 |
| Instrument | 34424 |
| Name | NORWAY SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRAY ME |
| Property Address | 48 SHORE RD, GRAY, ME 04039 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0385260158 |
|---|---|
| Date | Aug 10, 2021 |
| Book Page | 38526/158 |
| Instrument | 57223 |
| Name | NORWAY SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
Source: Cumberland County and Gray Town assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Cumberland County |
| County Subdivision | Gray Town |
| Unified School District | School Administrative District 15 (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $2,993.00 (-8.97%) | $309,200 (+42.75%) Land $161,800 Building $147,400 |
| 2023 | $3,288.00 (+8.8%) | $216,600 (-) Land $98,700 Building $117,900 |
| 2022 | $3,022.00 | $216,600 Land $98,700 Building $117,900 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 77 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| GoNetspeed Fiber | 1,000 / 1,000 |
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