538 Main St, Bradley, ME 04411 Property Records

Penobscot County and Bradley Town property record for 538 Main St, Bradley, ME 04411

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,144 sqft · built 1984
Lot Size	1.65 acres (71,874 sqft)
Owner	2 Individual Names on File
Last Sale	$236,800 (Jul 2020)
Tax Bill	$2,774 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`BRAY M:007 L:004-A`

Property Details

APN / Parcel Number

Primary APN	`BRAY M:007 L:004-A`
Alternative APNs	`M:007 L:004=A` `86`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft
Basement Area	450 sqft
Unfinished Basement	450 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	71,874 sqft (1.65 acres)

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	86
Street Address	538 MAIN ST
City	BRADLEY
State	ME
Zip	04411-5210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	4-A
Jurisdiction	BRADLEY ME
Township / Civil Division	BRADLEY
Census Block Group	1
Census Block	1035
Census Tract	8001

Owner

538 Main St is owned and occupied by two individuals who bought it in July 2020.

Source: Penobscot County and Bradley Town records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	538 MAIN ST, BRADLEY, ME 04411-5210
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2020 · Amount on File
Deed Sale	Jul 2, 2020 · Amount on File
Deed Document Number	202018961
Deed Book / Page	15590 / 346
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRADLEY ME
Recording Date	Jul 2, 2020
Property Address	538 MAIN ST, BRADLEY, ME 04411-5210
Document Number	0155900346
Book / Page	15590 / 346
Instrument Date	Jun 30, 2020
Instrument	18961
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
Address	380 FRENCH ST # 1, 1, BANGOR, ME 04401-5153

Mortgage

Document Number	18962
Date	Jul 2, 2020
Instrument	18962

Lender

Name	MAINE SAVINGS FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 538 Main St was $2,774, up 6.8% from the year before.

Source: Penobscot County and Bradley Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Penobscot County
County Subdivision	Bradley Town
Unified School District	Regional School Unit 34 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,774.00 (+6.82%)	$236,100 (-) Land $43,100 Building $193,000
2024	$2,597.00 (+5.35%)	$236,100 (+58.03%) Land $43,100 Building $193,000
2023	$2,465.00 (+6.43%)	$149,400 (-) Land $31,400 Building $118,000	$225,340
2022	$2,316.00	$149,400 Land $31,400 Building $118,000

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

Flood

FEMA maps place 538 Main St in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective August 7, 2024 · 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	1 in force
Nearby Flood Claims	18 (1979–2018)
Claims Outside the SFHA	9 of 18
Most Recent Claim	Jan 2018 · river or lake flooding
Claims by Event	Severe Storms And Flooding, May 2008 · 4 claims Severe Storms & Flooding, Apr 1987 · 3 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 538 Main St 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 29 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 / 1,000
Verizon Fixed Wireless	300 / 20