56 Center Rd, Gray, ME 04039 Property Records

Cumberland County and Gray Town property record for 56 Center Rd, Gray, ME 04039

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,050 sqft · built 1976
Lot Size	2.7 acres (117,612 sqft)
Owner	Individual Name on Record
Tax Bill	$4,081 (2025)
Deeds & Mortgages	Sep 2020 Refinance Sep 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`GRAY M:051 B:024 L:025-000`

Property Details

APN / Parcel Number

Primary APN	`GRAY M:051 B:024 L:025-000`
Alternative APNs	`024025000000` `1306`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,050 sqft Living Area
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Raised Ranch
Exterior Material	Concrete Block
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	117,612 sqft (2.7 acres)
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	1306
Street Address	56 CENTER RD
City	GRAY
State	ME
Zip	04039-9559
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	BUSINE
Legal Block	24
Legal Lot Number	25-0
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	4
Census Block	4011
Census Tract	4702

Owner

Source: Cumberland County and Gray Town records, as of July 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 962, GRAY, ME 04039-0962
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance KEY BANK NA
Sep 3, 2020	Deed of Trust, Mortgage · Line of Credit KEYBANK USA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	56 CENTER RD, GRAY, ME 04039-9559
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0371910321
Date	Sep 17, 2020
Book Page	37191/321
Instrument	58454

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	56 CENTER RD, GRAY, ME 04039-9559
Document Number	0371780148
Instrument Date	Sep 3, 2020
Transaction Type	Mortgage
Record Updated	Sep 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 CENTER RD GRAY ME 04039, GRAY, ME 04039

Mortgage

Document Number	0371780148
Date	Sep 15, 2020
Book Page	037178/000148
Instrument	57474

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cumberland County and Gray Town assessment roll, as of July 30, 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	$4,081.00 (-3.91%)	$421,600 (+50.68%) Land $130,200 Building $291,400
2023	$4,247.00 (+8.81%)	$279,800 (-) Land $63,000 Building $216,800
2022	$3,903.00	$279,800 Land $63,000 Building $216,800

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

Flood

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	2 in force
Nearby Flood Claims	7 (1983–2007)
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal Flooding
Claims by Event	Severe Storms & Flooding, May 1989 · 2 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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
GoNetspeed Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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