Sagadahoc County and Bowdoinham Town property record for 539 Bay Rd, Bowdoinham, ME 04008
| Property Type | Single Family Home |
|---|---|
| Details | 2,848 sqft · built 2002 |
| Lot Size | 2.65 acres (115,434 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,118 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | BOWN M:R09 L:001-C |
| Primary APN | BOWN M:R09 L:001-C |
|---|---|
| Alternative APNs |
|
| Building Area | 2,848 sqft Living Area |
|---|
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Multi-Family |
| Lot Area | 115,434 sqft (2.65 acres) |
| Account Number | 1443 |
|---|---|
| Street Address | 539 BAY RD |
| City | BOWDOINHAM |
| State | ME |
| Zip | 04008-4007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 1-C |
| Jurisdiction | BOWDOINHAM ME |
| Township / Civil Division | BOWDOINHAM |
| Census Block Group | 1 |
| Census Block | 1047 |
| 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.
539 Bay Rd is owned and occupied by two individuals.
Source: Sagadahoc County and Bowdoinham Town records, as of July 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 539 BAY RD, BOWDOINHAM, ME 04008-4007 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 19, 2022 | Deed of Trust, Mortgage · Line of Credit FIVE COUNTY CREDIT UNION |
| Oct 27, 2017 | Deed of Trust, Mortgage DOWN E FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOWDOINHAM ME |
| Property Address | 539 BAY RD, BOWDOINHAM, ME 04008-4007 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000006676 |
|---|---|
| Date | Sep 19, 2022 |
| Instrument | 2022R-06676 |
| Name | FIVE COUNTY CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOWDOINHAM ME |
| Property Address | 539 BAY RD, BOWDOINHAM, ME 04008-4007 |
| Document Number | 0000008150 |
| Instrument Date | Oct 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2017 |
| Name | Verified Name |
|---|---|
| Address | 539 BAY RD BOWDOINHAM ME 040084007, BOWDOINHAM, ME 04008-4007 |
| Document Number | 0000008150 |
|---|---|
| Date | Nov 3, 2017 |
| Instrument | 8150 |
| Name | DOWN E FCU |
|---|---|
| Type | Credit Union |
| Address | 23 THIRD AVE, WOODLAND WASHINGTON COUNTY, ME 04694-3409 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Nov 2, 2037 |
The 2025 property tax bill for 539 Bay Rd was $5,118, up 5.3% from the year before.
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 | $5,118.00 (+5.27%) | $231,500 (-) Land $57,500 Building $174,000 |
| 2024 | $4,862.00 (+7.71%) | $231,500 (-) Land $57,500 Building $174,000 |
| 2023 | $4,514.00 (+38.25%) | $231,500 (+28.25%) Land $57,500 Building $174,000 |
| 2022 | $3,265.00 | $180,500 Land $48,000 Building $132,500 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 539 Bay Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1982.
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 | 1 in force |
| Nearby Flood Claims | 3 (1982–2012) |
| Most Recent Claim | Jun 2012 · rainfall accumulation |
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 risk around 539 Bay 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.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
4G LTE (outdoors only), no 5G reported
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