5 Elden Point Rd, Bailey Island, ME 04003 Property Records

Cumberland County and Harpswell Town property record for 5 Elden Point Rd, Bailey Island, ME 04003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,617 sqft · built 1987
Lot Size	0.65 acres (28,314 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Aug 2013)
Tax Bill	$4,126 (2025)
Deeds & Mortgages	Nov 2018 Mortgage Oct 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`HARP M:020 L:044`

Property Details

APN / Parcel Number

Primary APN	`HARP M:020 L:044`
Alternative APN	`1689`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,617 sqft Living Area
Gross Area	7,318 sqft
1st Floor Area	1,657 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,314 sqft (0.65 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1689
Street Address	5 ELDEN POINT RD
City	BAILEY ISLAND
State	ME
Zip	04003-2643
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IN
Legal Lot Number	44
Jurisdiction	HARPSWELL ME
Township / Civil Division	HARPSWELL
Census Block Group	1
Census Block	1005
Census Tract	17102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5 ELDEN POINT RD, BAILEY ISLAND, ME 04003-2643
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2018	Deed of Trust, Mortgage HARBORONE MORTGAGE
Oct 4, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2013 · Amount on Record
Deed Sale	Aug 27, 2013 · Amount on Record
Deed Document Number	201352952
Deed Book / Page	30967 / 51
Record Updated	Sep 20, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	5 ELDEN POINT RD, BAILEY ISLAND, ME 04003-2643
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0352970095
Date	Nov 19, 2018
Book Page	35297/0095
Instrument	000000058961

Lender

Name	HARBORONE MORTGAGE

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Dec 6, 2048

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	5 ELDEN POINT RD, BAILEY ISLAND, ME 04003-2643
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0360430206
Date	Oct 4, 2019
Book Page	36043/206
Instrument	49755

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

Source: Cumberland County and Harpswell Town assessment roll, as of May 21, 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	$4,126.00 (+4.72%)	$619,500 (-) Land $172,700 Building $446,800
2024	$3,940.00 (+4.26%)	$619,500 (-) Land $172,700 Building $446,800
2023	$3,779.00 (+3.39%)	$619,500 (-) Land $172,700 Building $446,800
2022	$3,655.00	$619,500 Land $172,700 Building $446,800

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 32 individual policies
Nearby Flood Policies	34 units insured incl. 2 condo units
Nearby Flood Claims	11 (1990–2024)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Severe Storms And Inland And Coastal Flooding, Apr 2007 · 5 claims

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 97% of the US · lower than 98.5% of Maine
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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