Sagadahoc County and Bowdoinham Town property record for 528 Bay Rd, Bowdoinham, ME 04008
| Property Type | Single Family Home |
|---|---|
| Details | 1,466 sqft · built 1982 |
| Lot Size | 1.04 acres (45,302 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,848 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | BOWN M:R09 L:004 |
| Primary APN | BOWN M:R09 L:004 |
|---|---|
| Alternative APN |
|
| Building Area | 1,466 sqft Living Area |
|---|
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Multi-Family |
| Lot Area | 45,302 sqft (1.04 acres) |
| Account Number | 762 |
|---|---|
| Street Address | 528 BAY RD |
| City | BOWDOINHAM |
| State | ME |
| Zip | 04008-4020 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 4 |
| Jurisdiction | BOWDOINHAM ME |
| Township / Civil Division | BOWDOINHAM |
| Census Block Group | 5 |
| Census Block | 5032 |
| Census Tract | 970200 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Listed Area | Within Arnold Trail to Quebec listed 1969 · 1 contributing resources · NRIS 69000018 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Sagadahoc County and Bowdoinham Town records, as of July 30, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 528 BAY RD, BOWDOINHAM, ME 04008-4020 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage |
| Apr 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage KENNEBEC SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 2, 2024 |
| Transfer Doc | 0000005805 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOWDOINHAM ME |
| Recording Date | Apr 15, 2026 |
| Property Address | 528 BAY RD, BOWDOINHAM, ME 04008-4020 |
| Document Number | 0000001902 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 20261902 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 528 BAY RD, BOWDOINHAM, ME 04008-4020 |
| Investor | Possibly a Property Investor |
| Document Number | 0000001902, |
|---|---|
| Date | Apr 15, 2026 |
| Instrument | 20261902 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOWDOINHAM ME |
| Recording Date | Apr 15, 2026 |
| Property Address | 528 BAY RD, BOWDOINHAM, ME 04008-4020 |
| Document Number | 0000001900 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 20261900 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 528 BAY RD, BOWDOINHAM, ME 04008-4020 |
| Investor | Possibly a Property Investor |
| Document Number | 0000001900, |
|---|---|
| Date | Apr 15, 2026 |
| Instrument | 20261900 |
| Name | KENNEBEC SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | May 1, 2050 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
Source: Sagadahoc County and Bowdoinham Town assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Sagadahoc County |
| County Subdivision | Bowdoinham Town |
| Unified School District | School Administrative District 75 (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $1,848.00 (+5.24%) | $83,600 (-) Land $61,200 Building $22,400 |
| 2024 | $1,756.00 (+7.73%) | $83,600 (-) Land $61,200 Building $22,400 |
| 2023 | $1,630.00 (+27.44%) | $83,600 (+18.25%) Land $61,200 Building $22,400 |
| 2022 | $1,279.00 | $70,700 Land $51,000 Building $19,700 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective April 16, 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 |
| Nearby Flood Policies | 5 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BOWDOINHAM WATER DISTRICT serves 738 people · EPA ID ME0090210 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 4 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
May also be available: Fidium Fiber.
4G LTE (outdoors only), no 5G reported
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