76 Harbor Rd, Naples, ME 04055 Property Records

Cumberland County and Naples Town property record for 76 Harbor Rd, Naples, ME 04055

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 912 sqft · built 1980
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on Record
Tax Bill	$4,976 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Aug 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NAPL M:U28 L:0004`

Property Details

APN / Parcel Number

Primary APN	`NAPL M:U28 L:0004`
Alternative APN	`2219`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	912 sqft Total Area
1st Floor Area	1,170 sqft
Basement Area	1,146 sqft
Unfinished Basement	1,146 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Colonial
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	2219
Street Address	76 HARBOR RD
City	NAPLES
State	ME
Zip	04055-3437
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Lot Number	4
Jurisdiction	NAPLES ME
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1008
Census Tract	14002

Owner

Source: Cumberland County and Naples 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	13 PASHO ST, ANDOVER, MA 01810-3640
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Aug 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Aug 30, 2018	Warranty Deed, Transfer · ARM SALEM FIVE MTG CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2024
Deed Sale	Jul 23, 2024
Prior Sale	Aug 30, 2018 · Amount on Record
Deed Document Number	202425564
Deed Book / Page	40882 / 292
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPLES ME
Property Address	76 HARBOR RD, NAPLES, ME 04055-3437
Transaction Type	Mortgage
Record Updated	May 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0396930050
Date	Sep 6, 2022
Book Page	39693/50
Instrument	45514

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPLES ME
Property Address	76 HARBOR RD, NAPLES, ME 04055-3437
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0370270331
Date	Aug 10, 2020
Book Page	37027/331
Instrument	46664

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAPLES ME
Recording Date	Aug 30, 2018
Property Address	76 HARBOR RD, NAPLES, ME 04055-3437
Document Number	0351090002
Book / Page	35109 / 0002
Instrument	000000044223
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044224
Date	Aug 30, 2018
Instrument	000000044224

Lender

Name	SALEM FIVE MTG CO

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 30, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.13%
Type Change Date	Sep 1, 2025

Tax Assessment & Valuation

Source: Cumberland County and Naples Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Naples Town
Unified School District	School Administrative District 61 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,976.00 (+3.82%)	$523,779 (-) Land $320,845 Building $202,934
2023	$4,793.00 (+10.92%)	$523,779 (-) Land $320,845 Building $202,934
2022	$4,321.00	$523,779 Land $320,845 Building $202,934

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 97.9% of Maine
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

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

Cell Coverage

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

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