78 Cross Rd, Troy, ME 04987 Property Records

Waldo County and Troy Town property record for 78 Cross Rd, Troy, ME 04987

Property Summary

Lot Size	23.8 acres (1,036,728 sqft)
Owner	2 Individual Names on Record
Tax Bill	$579 (2025)
Deeds & Mortgages	Mar 2019 Mortgage Jun 2017 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`TRRY M:005 L:017`

Property Details

APN / Parcel Number

Primary APN	`TRRY M:005 L:017`

Exterior

Lot Area	1,036,728 sqft (23.8 acres)

Location & Zoning

Street Address	78 CROSS RD
City	TROY
State	ME
Zip	04987-3513
Property Category	Other
Property Type	Unknown
Legal Lot Number	17
Jurisdiction	TROY ME
Township / Civil Division	TROY
Census Block Group	2
Census Block	2014
Census Tract	46002

Owner

Source: Waldo County and Troy Town records, as of May 22, 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	54 CROSS RD, TROY, ME 04987-3513
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2019	Deed of Trust, Mortgage QUICKEN LNS
Jun 16, 2017	Warranty Deed, Construction Loan · Construction Mortgage SEBASTICOOK VLY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2019
Deed Sale	Jan 28, 2019
Prior Sale	Jun 16, 2017 · Amount on Record
Deed Document Number	2019727
Deed Book / Page	4343 / 277
Record Updated	Sep 20, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TROY ME
Property Address	78 CROSS RD, TROY, ME 04987-3513
Document Number	0043560081
Instrument Date	Mar 12, 2019
Transaction Type	Mortgage
Record Updated	Apr 8, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 CROSS RD TROY ME 049873513, TROY, ME 04987-3513

Mortgage

Document Number	0043560081
Date	Mar 18, 2019
Book Page	004356/000081
Instrument	2037

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 17, 2049

June 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	TROY ME
Recording Date	Jun 16, 2017
Property Address	78 CROSS RD, TROY, ME 04987-3513
Document Number	0041740109
Book / Page	004174 / 000109
Instrument Date	Jun 13, 2017
Instrument	4858
Transaction Type	Construction Loan
Record Updated	Jul 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 CHADBOURNE RD HARMONY ME 049426823, HARMONY, ME 04942-6823

Mortgage

Document Number	41740111
Date	Jun 16, 2017
Book Page	004174/000111
Instrument	4859

Lender

Name	SEBASTICOOK VLY FCU
Type	Credit Union
Address	PITTSFIELD, ME 04967

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jun 15, 2018

Tax Assessment & Valuation

Source: Waldo County and Troy Town assessment roll, as of May 22, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Waldo County
County Subdivision	Troy Town
Unified School District	School Administrative District 03 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$579.00 (+15.34%)	$49,080 (+25.04%) Land $49,080
2024	$502.00 (+14.09%)	$39,250 (-) Land $39,250
2023	$440.00 (+1.38%)	$39,250 (+35.67%) Land $39,250
2022	$434.00	$28,930 Land $28,930

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
UniTel Fiber	2,000 / 2,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cross Rd

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