490 Valley Ave, Bangor, ME 04401 Property Records

Penobscot County and Bangor City property record for 490 Valley Ave, Bangor, ME 04401

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,415 sqft · built 1978
Lot Size	1.7 acres (74,052 sqft)
Owner	2 Individual Names on File
Last Sale	$731,300 (Dec 2024)
Tax Bill	$9,693 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Apr 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`BANG M:R34 L:010`

Property Details

APN / Parcel Number

Primary APN	`BANG M:R34 L:010`
Alternative APN	`810`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,415 sqft Living Area
Basement Area	836 sqft
Unfinished Basement	836 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Concrete
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	74,052 sqft (1.7 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	810
Street Address	490 VALLEY AVE
City	BANGOR
State	ME
Zip	04401-3370
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Lot Number	10
Jurisdiction	BANGOR ME
Township / Civil Division	BANGOR
Census Block Group	3
Census Block	3008
Census Tract	31100

Owner

490 Valley Ave is owned by two individuals who bought it in December 2024.

Source: Penobscot County and Bangor City records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7545 CEDAR CREEK RD, GREENEVILLE, TN 37743-8248
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 11, 2023	Deed of Trust, Mortgage · Line of Credit BANGOR SAVINGS BANK
Apr 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2024 · Amount on File
Deed Sale	Dec 5, 2024 · Amount on File
Prior Sale	Nov 21, 2006 · Amount on File
Deed Document Number	202430249
Deed Book / Page	17352 / 340
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANGOR ME
Property Address	490 VALLEY AVE, BANGOR, ME 04401-3370
Transaction Type	Mortgage
Record Updated	Oct 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0169680043
Date	Oct 11, 2023
Book Page	16968/43
Instrument	24674

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANGOR ME
Property Address	490 VALLEY AVE, BANGOR, ME 04401-3370
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0154980286
Date	Apr 21, 2020
Book Page	15498/286
Instrument	10405

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 490 Valley Ave was $9,693, down 2.6% from the year before.

Source: Penobscot County and Bangor City assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Penobscot County
Municipality	Bangor City
Unified School District	Bangor (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,693.00 (-2.58%)	$547,600 (+2.09%) Land $49,900 Building $497,700
2024	$9,950.00 (+5.63%)	$536,400 (+9.05%) Land $49,900 Building $486,500	$797,050
2023	$9,420.00 (+6.91%)	$491,900 (+13.89%) Land $49,900 Building $442,000
2022	$8,811.00	$431,900 Land $49,900 Building $382,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 490 Valley Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 7, 2024

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 490 Valley Ave 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 94% of the US · lower than 95% 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	BANGOR WATER DISTRICT serves 27,298 people · EPA ID ME0090110
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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