Penobscot County and Bangor City property record for 523 Union St, Bangor, ME 04401
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 2,260 sqft · built 1902 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,758 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | BANG M:020 L:034 |
| Primary APN | BANG M:020 L:034 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,260 sqft Living Area |
| Year Built | Built 1902 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 12,197 sqft (0.28 acres) |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 5567 |
|---|---|
| Street Address | 523 UNION ST |
| City | BANGOR |
| State | ME |
| Zip | 04401-3704 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | URD1 |
| Legal Lot Number | 34 |
| Jurisdiction | BANGOR ME |
| Township / Civil Division | BANGOR |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 500 |
Source: Penobscot County and Bangor City 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 523 UNION ST, BANGOR, ME 04401-3704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 25, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Oct 18, 2019 | Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK |
| Apr 25, 2018 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANGOR ME |
| Property Address | 523 UNION ST, BANGOR, ME 04401-3704 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0156660259 |
|---|---|
| Date | Aug 25, 2020 |
| Book Page | 15666/259 |
| Instrument | 26852 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANGOR ME |
| Property Address | 523 UNION ST, BANGOR, ME 04401-3704 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0153210164 |
|---|---|
| Date | Oct 18, 2019 |
| Book Page | 15321/164 |
| Instrument | 32020 |
| Name | FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANGOR ME |
| Property Address | 523 UNION ST, BANGOR, ME 04401-3704 |
| Document Number | 0148010236 |
| Instrument Date | Apr 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 523 UNION ST BANGOR ME 044013704, BANGOR, ME 04401-3704 |
| Document Number | 0148010236 |
|---|---|
| Date | May 4, 2018 |
| Book Page | 014801/000236 |
| Instrument | 11121 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 3, 2048 |
Source: Penobscot County and Bangor City assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Penobscot County |
| Municipality | Bangor City |
| Unified School District | Bangor (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $4,758.00 (+2.28%) | $268,800 (+7.18%) Land $22,600 Building $246,200 |
| 2024 | $4,652.00 (+5.94%) | $250,800 (+9.38%) Land $21,900 Building $228,900 |
| 2023 | $4,391.00 (+9.47%) | $229,300 (+16.63%) Land $21,900 Building $207,400 |
| 2022 | $4,011.00 | $196,600 Land $21,900 Building $174,700 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective August 7, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.7% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 519 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 |
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