82 Harbor Rd, Naples, ME 04055 Property Records

Cumberland County and Naples Town property record for 82 Harbor Rd, Naples, ME 04055

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 768 sqft · built 1949
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on Record
Last Sale	$865,000 (Sep 2025)
Tax Bill	$4,354 (2025)
Deeds & Mortgages	Feb 2022 Refinance Sep 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`NAPL M:U28 L:0006`

Property Details

APN / Parcel Number

Primary APN	`NAPL M:U28 L:0006`
Alternative APN	`2221`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
1st Floor Area	1,004 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Cape Cod
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,117 sqft (0.37 acres)
Garage Type	Attached

Location & Zoning

Account Number	2221
Street Address	82 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	6
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 May 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	310 W COLUMBIA ST, FALLS CHURCH, VA 22046-2646
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance GORHAM SAVINGS BANK
Sep 3, 2025	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Jun 25, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage AMERICAN INTERNET MORTGAGE INC
May 1, 2018	Warranty Deed, Transfer SACO & BIDDEFORD SAVS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2025 · Amount on Record
Deed Sale	Sep 3, 2025 · Amount on Record
Prior Sale	Jun 25, 2021 · Amount on Record
Deed Book / Page	41698 / 29
Prior Transfer Date	Apr 1, 2021
Prior Transfer Doc	0383540329
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPLES ME
Property Address	82 HARBOR RD, NAPLES, ME 04055-3437
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0391370338
Date	Feb 1, 2022
Book Page	39137/338
Instrument	6054

Lender

Name	GORHAM SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAPLES ME
Recording Date	Sep 3, 2025
Property Address	82 HARBOR RD, NAPLES, ME 04055-3437
Document Number	0416980029
Book / Page	41698 / 29
Instrument Date	Sep 2, 2025
Instrument	35272
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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
Relationship	Joint Tenants with Right of Survivorship
Address	310 W COLUMBIA ST, FALLS CHURCH, VA 22046-2646

Mortgage

Document Number	0000035273
Date	Sep 3, 2025
Instrument	35273

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NAPLES ME
Recording Date	Jun 25, 2021
Property Address	82 HARBOR RD, NAPLES, ME 04055-3437
Document Number	0383540329
Book / Page	38354 / 329
Instrument Date	Apr 1, 2021
Instrument	45353
Transaction Type	Transfer
Record Updated	Feb 3, 2022

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Venture
Address	82 HARBOR RD, NAPLES, ME 04055-3437

Mortgage

Document Number	0000045354
Date	Jun 25, 2021
Instrument	45354

Lender

Name	AMERICAN INTERNET MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAPLES ME
Recording Date	May 1, 2018
Property Address	82 HARBOR RD, NAPLES, ME 04055-3437
Document Number	0348090072
Book / Page	34809 / 0072
Instrument	000000019190
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	0000019191
Date	May 1, 2018
Instrument	000000019191

Lender

Name	SACO & BIDDEFORD SAVS

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

Tax Assessment & Valuation

Source: Cumberland County and Naples Town assessment roll, as of May 21, 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	$4,354.00 (+2.13%)	$458,352 (-) Land $333,455 Building $124,897
2024	$4,263.00 (+5.16%)	$458,352 (+3.46%) Land $333,455 Building $124,897
2023	$4,054.00 (+12.55%)	$443,011 (+1.48%) Land $333,455 Building $109,556
2022	$3,602.00	$436,566 Land $333,455 Building $103,111

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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