528 Smithfield Rd, Oakland, ME 04963 Property Records

Kennebec County and Oakland Town property record for 528 Smithfield Rd, Oakland, ME 04963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,980 sqft · built 1987
Lot Size	4.68 acres (203,861 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (May 2024)
Tax Bill	$3,733 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage Jul 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`OAKL M:040 L:006`

Property Details

APN / Parcel Number

Primary APN	`OAKL M:040 L:006`
Alternative APN	`2682`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,980 sqft Living Area
1st Floor Area	1,980 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	203,861 sqft (4.68 acres)

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	2682
Street Address	528 SMITHFIELD RD
City	OAKLAND
State	ME
Zip	04963-4134
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL.
Legal Lot Number	6
Jurisdiction	OAKLAND ME
Township / Civil Division	OAKLAND
Census Block Group	1
Census Block	1010
Census Tract	25001

Historic Designation

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.

Owner

528 Smithfield Rd is owned by an individual who bought it in May 2024.

Source: Kennebec County and Oakland Town records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	45 STONE GATE XING, CHELSEA, ME 04330-1417
Owner Type	Individual
Vesting	Individual(s)

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
May 2, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage KENNEBEC SAVINGS BANK
Jul 7, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NEW DIMENSIONS FEDERAL CREDIT UNION
Feb 14, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NEW DIMENSIONS FEDERAL CREDIT UNION
Apr 2, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2024 · Amount on File
Deed Sale	May 2, 2024 · Amount on File
Deed Document Number	20248416
Deed Book / Page	15038 / 314
Record Updated	Sep 20, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND ME
Recording Date	May 2, 2024
Property Address	528 SMITHFIELD RD, OAKLAND, ME 04963-4134
Document Number	2024008416
Book / Page	15038 / 314
Instrument Date	May 1, 2024
Instrument	2024008416
Transaction Type	Transfer
Record Updated	May 20, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 STONE GATE XING, CHELSEA, ME 04330-1417

Mortgage

Document Number	2024008417
Date	May 2, 2024
Instrument	2024008417

Lender

Name	KENNEBEC SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND ME
Property Address	528 SMITHFIELD RD, OAKLAND, ME 04963-4134
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022015761
Date	Jul 7, 2022
Book Page	14504/139
Instrument	2022015761

Lender

Name	NEW DIMENSIONS FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Aug 1, 2032

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND ME
Property Address	528 SMITHFIELD RD, OAKLAND, ME 04963-4134
Transaction Type	Mortgage
Record Updated	Feb 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022003502
Date	Feb 14, 2022
Book Page	14352/331
Instrument	2022003502

Lender

Name	NEW DIMENSIONS FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2032

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND ME
Property Address	528 SMITHFIELD RD, OAKLAND, ME 04963-4134
Transaction Type	Mortgage
Record Updated	Apr 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021008424
Date	Apr 2, 2021
Book Page	13953/112
Instrument	2021008424

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 528 Smithfield Rd was $3,733, up 6.8% from the year before.

Source: Kennebec County and Oakland Town assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Kennebec County
County Subdivision	Oakland Town
Unified School District	Regional School Unit 18 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,733.00 (+6.84%)	$239,000 (-) Land $42,700 Building $196,300
2024	$3,494.00 (+13.7%)	$239,000 (+12%) Land $42,700 Building $196,300
2023	$3,073.00 (-1.35%)	$213,400 (+17.84%) Land $42,700 Building $170,700	$365,275
2022	$3,115.00	$181,100 Land $38,900 Building $142,200

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

Flood

FEMA maps place 528 Smithfield Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 18, 2021 · 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	3 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.

Wildfire

Wildfire risk around 528 Smithfield 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	Direct burnable vegetation

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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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