694 Ridge Rd, Bowdoinham, ME 04008 Property Records

Sagadahoc County and Bowdoinham Town property record for 694 Ridge Rd, Bowdoinham, ME 04008

Property Summary

Property Type	Single Family Home
Lot Size	1.49 acres (64,904 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,300 (Jan 2016)
Tax Bill	$5,881 (2025)
Deeds & Mortgages	Jul 2026 Second Mortgage May 2024 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`BOWN M:R03 L:022-C`

Property Details

APN / Parcel Number

Primary APN	`BOWN M:R03 L:022-C`
Alternative APN	`191`

Exterior

Architectural Style	Multi-Family
Lot Area	64,904 sqft (1.49 acres)

Location & Zoning

Account Number	191
Street Address	694 RIDGE RD
City	BOWDOINHAM
State	ME
Zip	04008-5800
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	22-C
Jurisdiction	BOWDOINHAM ME
Township / Civil Division	BOWDOINHAM
Census Block Group	1
Census Block	1029
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

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	694 RIDGE RD, BOWDOINHAM, ME 04008-5800
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage KENNEBEC SAVINGS BANK
May 1, 2024	Deed of Trust, Mortgage · Line of Credit KENNEBEC SAVINGS BANK
Aug 9, 2022	Deed of Trust, Mortgage · Line of Credit KENNEBEC SAVINGS BANK
Sep 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance KENNEBEC SAVINGS BANK
Aug 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance KENNEBEC SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2016 · Amount on Record
Deed Sale	Jan 28, 2016 · Amount on Record
Deed Document Number	2016649
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Recording Date	Jul 15, 2026
Property Address	694 RIDGE RD, BOWDOINHAM, ME 04008-5800
Document Number	0000003671
Instrument Date	Jul 10, 2026
Instrument	20263671
Transaction Type	Mortgage
Record Updated	Aug 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	694 RIDGE RD, BOWDOINHAM, ME 04008-5800

Mortgage

Document Number	0000003671,
Date	Jul 15, 2026
Instrument	20263671

Lender

Name	KENNEBEC SAVINGS BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2041

Interest

Rate	5.84%
Max Rate	-1%

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Property Address	694 RIDGE RD, BOWDOINHAM, ME 04008-5800
Transaction Type	Mortgage
Record Updated	May 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002036
Date	May 1, 2024
Instrument	2024R-02036

Lender

Name	KENNEBEC SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2044

Interest

Rate Type	Adjustable Rate

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Property Address	694 RIDGE RD, BOWDOINHAM, ME 04008-5800
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005470
Date	Aug 9, 2022
Instrument	2022R-05470

Lender

Name	KENNEBEC SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Property Address	694 RIDGE RD, BOWDOINHAM, ME 04008-5800
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006657
Date	Sep 10, 2020
Instrument	2020R-06657

Lender

Name	KENNEBEC SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	313 Months
Due	Oct 1, 2046

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Property Address	694 RIDGE RD, BOWDOINHAM, ME 04008-5800
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006579
Date	Aug 3, 2021
Instrument	2021R-06579

Lender

Name	KENNEBEC SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	313 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

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	$5,881.00 (+5.28%)	$266,000 (-) Land $64,100 Building $201,900
2024	$5,586.00 (+9.08%)	$266,000 (+1.29%) Land $64,100 Building $201,900
2023	$5,121.00 (+29.38%)	$262,600 (+20.02%) Land $64,100 Building $198,500
2022	$3,958.00	$218,800 Land $53,400 Building $165,400

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

Flood

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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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