55 Charlonate Dr, Gray, ME 04039 Property Records

Cumberland County and Gray Town property record for 55 Charlonate Dr, Gray, ME 04039

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,547 sqft · built 1979
Lot Size	5.09 acres (221,720 sqft)
Owner	Individual Name on File
Last Sale	$204,000 (May 2018)
Tax Bill	$4,053 (2025)
Deeds & Mortgages	Jul 2022 Refinance Jul 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GRAY M:009 B:016 L:025-000`

Property Details

APN / Parcel Number

Primary APN	`GRAY M:009 B:016 L:025-000`
Alternative APNs	`016025000000` `674`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,547 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	221,720 sqft (5.09 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Electric

Location & Zoning

Account Number	674
Street Address	55 CHARLONATE DR
City	GRAY
State	ME
Zip	04039-9765
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	SCATTERED PINES
Legal Block	16
Legal Lot Number	25-0
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	3
Census Block	3002
Census Tract	4702

Owner

55 Charlonate Dr is owned and occupied by an individual who bought it in May 2018.

Source: Cumberland County and Gray Town records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	55 CHARLONATE DR, GRAY, ME 04039-9765
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

Date	Document
Jul 20, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CUMBERLAND COUNTY FCU
Jul 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CUMBERLAND COUNTY FCU
Feb 18, 2020	Warranty Deed, Transfer ATTORNEY ONLY
May 3, 2018	Intrafamily Transfer, Transfer · FHA Mortgage FINANCE AMERICA LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2018 · Amount on File
Deed Sale	May 3, 2018 · Amount on File
Deed Document Number	201819772
Deed Book / Page	34817 / 16
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	55 CHARLONATE DR, GRAY, ME 04039-9765
Transaction Type	Mortgage
Record Updated	Aug 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0395860079
Date	Jul 20, 2022
Book Page	39586/79
Instrument	36763

Lender

Name	CUMBERLAND COUNTY FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	55 CHARLONATE DR, GRAY, ME 04039-9765
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0358300301
Date	Jul 25, 2019
Book Page	35830/301
Instrument	33992

Lender

Name	CUMBERLAND COUNTY FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAY ME
Recording Date	Feb 18, 2020
Property Address	55 CHARLONATE DR, GRAY, ME 04039-9765
Document Number	0364340045
Book / Page	036434 / 000045
Instrument Date	Feb 14, 2020
Instrument	8810
Transaction Type	Transfer
Record Updated	Mar 3, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GRAY ME
Recording Date	May 3, 2018
Property Address	55 CHARLONATE DR, GRAY, ME 04039-9765
Document Number	0348170016
Book / Page	34817 / 0016
Instrument	000000019772
Transaction Type	Transfer
Record Updated	Feb 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019773
Date	May 3, 2018
Instrument	000000019773

Lender

Name	FINANCE AMERICA LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 3, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 55 Charlonate Dr was $4,053.

Source: Cumberland County and Gray Town assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Gray Town
Unified School District	School Administrative District 15 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,053.00	$418,700 Land $159,000 Building $259,700
2023	$3,680.00 (+8.84%)	$242,400 (-) Land $74,800 Building $167,600
2022	$3,381.00	$242,400 Land $74,800 Building $167,600

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 55 Charlonate Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 3, 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	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 55 Charlonate Dr 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 88 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

4G LTE only, no 5G reported

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