5 Howards Hill Rd, Harpswell, ME 04079 Property Records

Cumberland County and Harpswell Town property record for 5 Howards Hill Rd, Harpswell, ME 04079

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,666 sqft · built 2000
Lot Size	3.04 acres (132,422 sqft)
Owner	2 Individual Names on File
Last Sale	$516,300 (Apr 2021)
Tax Bill	$2,593 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HARP M:050 L:200`

Property Details

APN / Parcel Number

Primary APN	`HARP M:050 L:200`
Alternative APN	`3690`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,666 sqft Living Area
Gross Area	3,342 sqft
1st Floor Area	952 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	132,422 sqft (3.04 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3690
Street Address	5 HOWARDS HILL RD
City	HARPSWELL
State	ME
Zip	04079-3774
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	INT
Legal Subdivision	GURNET LNDG SUB
Legal Lot Number	200
Jurisdiction	HARPSWELL ME
Township / Civil Division	HARPSWELL
Census Block Group	3
Census Block	3000
Census Tract	17102

Owner

5 Howards Hill Rd is owned and occupied by two individuals who bought it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	5 HOWARDS HILL RD, HARPSWELL, ME 04079-3774
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
Apr 20, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage ACADEMY MORTGAGE CORP
May 25, 2018	Deed of Trust, Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2021 · Amount on File
Deed Sale	Apr 20, 2021 · Amount on File
Prior Sale	Nov 28, 2007 · Amount on File
Deed Document Number	202128086
Deed Book / Page	38092 / 101
Record Updated	Sep 20, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARPSWELL ME
Recording Date	Apr 20, 2021
Property Address	5 HOWARDS HILL RD, HARPSWELL, ME 04079-3774
Document Number	0380920101
Book / Page	38092 / 101
Instrument Date	Apr 19, 2021
Instrument	28086
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	39 FAIRY TAIL LN, YARMOUTH, ME 04096-8429

Mortgage

Document Number	28087
Date	Apr 20, 2021
Instrument	28087

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	5 HOWARDS HILL RD, HARPSWELL, ME 04079-3774
Document Number	0349740066
Instrument Date	May 25, 2018
Transaction Type	Mortgage
Record Updated	Jul 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 HOWARDS HILL RD HARPSWELL ME 040793774, HARPSWELL, ME 04079-3774

Mortgage

Document Number	0349740066
Date	Jul 9, 2018
Book Page	034974/000066
Instrument	32205

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jul 8, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 5 Howards Hill Rd was $2,593, up 4.7% from the year before.

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	$2,593.00 (+4.68%)	$389,400 (-) Land $122,000 Building $267,400
2024	$2,477.00 (+4.29%)	$389,400 (-) Land $122,000 Building $267,400
2023	$2,375.00 (+3.4%)	$389,400 (-) Land $122,000 Building $267,400
2022	$2,297.00	$389,400 Land $122,000 Building $267,400

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

Flood

FEMA maps place 5 Howards Hill Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2007.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	2 (2007)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal Flooding
Claims by Event	Severe Storms And Inland And Coastal Flooding, Apr 2007 · 2 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

Wildfire risk around 5 Howards Hill Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 44 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

Cell Coverage

5G (outdoors only) and 4G LTE

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