558 Bay Rd, Bowdoinham, ME 04008 Property Records

Sagadahoc County and Bowdoinham Town property record for 558 Bay Rd, Bowdoinham, ME 04008

Property Summary

Property Type	Single Family Home
Details	1,784 sqft
Lot Size	14.2 acres (618,552 sqft)
Owner	Individual Name on File
Last Sale	$605,000 (Jun 2023)
Tax Bill	$8,183 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Jun 2023 Sale + 4 more
Flood Zone	Zone AE (high risk)
APN	`BOWN M:R09 L:003-A`

Property Details

APN / Parcel Number

Primary APN	`BOWN M:R09 L:003-A`
Alternative APNs	`M:R09 L:003=A` `760`

Interior

Building Area	1,784 sqft Living Area

Exterior

Architectural Style	Multi-Family
Lot Area	618,552 sqft (14.2 acres)
Total Buildings	2 Buildings

Location & Zoning

Account Number	760
Street Address	558 BAY RD
City	BOWDOINHAM
State	ME
Zip	04008-4020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	3-A
Jurisdiction	BOWDOINHAM ME
Township / Civil Division	BOWDOINHAM
Census Block Group	5
Census Block	5032
Census Tract	970200

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

558 Bay Rd is owned and occupied by an individual who bought it in June 2023.

Source: Sagadahoc County and Bowdoinham Town records, as of May 19, 2026

Owner of Record	Individual Name on File
Mailing Address	558 BAY RD, BOWDOINHAM, ME 04008-4020
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
Oct 16, 2023	Deed of Trust, Mortgage · ARM KENNEBEC SAVINGS BANK
Jun 16, 2023	Warranty Deed, Transfer
Mar 23, 2017	Deed of Trust, Mortgage · Commercial Mortgage BATH SAVINGS
May 23, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Jan 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EMBRACE HOME LOANS INC
Jul 20, 2018	Quit Claim Deed, Transfer BATH SVGS INSTITUTION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2023 · Amount on File
Deed Sale	Jun 16, 2023 · Amount on File
Prior Sale	Jul 20, 2018 · Amount on File
Deed Document Number	20232635
Deed Book / Page	2023 / 2635
Transfer Doc	0000004779
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Property Address	558 BAY RD, BOWDOINHAM, ME 04008-4020
Transaction Type	Mortgage
Record Updated	Oct 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005173
Date	Oct 16, 2023
Instrument	2023R-05173

Lender

Name	KENNEBEC SAVINGS BANK

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.93%
Type Change Date	Nov 1, 2026
Index	3-Year CMT
Margin	3

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOWDOINHAM ME
Recording Date	Jun 16, 2023
Property Address	558 BAY RD, BOWDOINHAM, ME 04008-4020
Document Number	0000002635
Book / Page	2023 / 2635
Instrument Date	Jun 15, 2023
Instrument	2023R-02635
Transaction Type	Transfer
Record Updated	Jul 3, 2023

Transaction

Amount	Amount 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	25 UNION ST, CAMBRIDGE, MA 02141-1331

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Property Address	558 BAY RD, BOWDOINHAM, ME 04008-4020
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001859
Date	Mar 23, 2017
Instrument	2017R-01859

Lender

Name	BATH SAVINGS

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	289 Months
Due	Apr 7, 2041

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Property Address	558 BAY RD, BOWDOINHAM, ME 04008-4020
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002919
Date	May 23, 2019
Instrument	2019R-02919

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Property Address	558 BAY RD, BOWDOINHAM, ME 04008-4020
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000693
Date	Jan 25, 2021
Instrument	2021R-00693

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BOWDOINHAM ME
Recording Date	Jul 20, 2018
Property Address	558 BAY RD, BOWDOINHAM, ME 04008-4020
Document Number	0000004779
Instrument Date	Jul 5, 2018
Instrument	4779
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	558 BAY RD BOWDOINHAM ME 040084020, BOWDOINHAM, ME 04008-4020

Mortgage

Document Number	4780
Date	Jul 20, 2018
Instrument	4780

Lender

Name	BATH SVGS INSTITUTION
Address	BATH, ME 04530

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 19, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 558 Bay Rd was $8,183, up 5.3% from the year before.

Source: Sagadahoc County and Bowdoinham Town assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Sagadahoc County
County Subdivision	Bowdoinham Town
Unified School District	School Administrative District 75 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$8,183.00 (+5.29%)	$370,100 (-) Land $100,000 Building $270,100
2024	$7,772.00 (+16%)	$370,100 (+7.71%) Land $100,000 Building $270,100
2023	$6,700.00 (+29.32%)	$343,600 (+19.97%) Land $100,000 Building $243,600
2022	$5,181.00	$286,400 Land $83,400 Building $203,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 558 Bay Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 16, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
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.

Wildfire

Wildfire risk around 558 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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