85 Lake Ave, Gray, ME 04039 Property Records

Cumberland County and Gray Town property record for 85 Lake Ave, Gray, ME 04039

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,844 sqft · built 1982
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on File
Last Sale	$1,525,000 (Feb 2024)
Tax Bill	$14,004 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Jul 2022 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`L03021000000`

Property Details

APN / Parcel Number

Primary APN	`L03021000000`
Alternative APNs	`GRAY M:040 B:303 L:021-000` `3490`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,844 sqft Living Area
Basement Area	483 sqft
Unfinished Basement	200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Concrete Block
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	40,075 sqft (0.92 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	3490
Street Address	85 LAKE AVE
City	GRAY
State	ME
Zip	04039-9793
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Block	303
Legal Lot Number	21-0
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	2
Census Block	2000
Census Tract	4701

Owner

Source: Cumberland County and Gray Town records · APN L03021000000

Assessment roll updated May 21, 2026 · Last verified June 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 File
Mailing Address	85 LAKE AVE, GRAY, ME 04039-9793
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 08, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTHPOINT MORTGAGE INC
Jul 26, 2022	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
Jul 26, 2022	Quit Claim Deed, Transfer · FHA Mortgage LONGBRIDGE FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 08, 2024 · Amount on Record
Deed Sale	Feb 08, 2024 · Amount on Record
Prior Sale	Jul 26, 2022 · Amount on Record
Deed Document Number	20244755
Deed Book / Page	40603 / 268
Transfer Doc	22789-0306
Record Updated	Sep 20, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAY ME
Recording Date	Feb 08, 2024
Property Address	85 LAKE AVE, GRAY, ME 04039-9793
Document Number	0406030268
Book / Page	40603 / 268
Instrument Date	Feb 08, 2024
Instrument	4755
Transaction Type	Transfer
Record Updated	Feb 26, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	51 SYDNEYS WAY, GORHAM, ME 04038-5864

Mortgage

Document Number	0000004756
Date	Feb 08, 2024
Instrument	4756

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	85 LAKE AVE, GRAY, ME 04039-9793
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0396020161
Date	Jul 26, 2022
Book Page	39602/161
Instrument	38161

Lender

Name	LONGBRIDGE FINANCIAL LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.57%
Index	Other

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GRAY ME
Recording Date	Jul 26, 2022
Property Address	85 LAKE AVE, GRAY, ME 04039-9793
Document Number	0396020141
Book / Page	39602 / 141
Instrument Date	Jun 03, 2022
Instrument	38159
Transaction Type	Transfer
Record Updated	Aug 08, 2022

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0000038160
Date	Jul 26, 2022
Instrument	38160

Lender

Name	LONGBRIDGE FINANCIAL LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.57%
Type Change Date	Aug 01, 2022
Max Rate At Change	8.57%
Index	Other

Tax Assessment & Valuation

Source: Cumberland County and Gray Town records · Assessment roll updated May 21, 2026 · Last verified June 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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value
2025	$14,004.00 (+25.04%)	$1,446,700 (+96.08%) Land $832,900 Building $613,800
2023	$11,200.00 (+8.82%)	$737,800 (-) Land $416,500 Building $321,300
2022	$10,292.00	$737,800 Land $416,500 Building $321,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 3, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	1 in force
Nearby Flood Claims	2 (2002)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2002 · river or lake flooding

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 97.3% of Maine
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 75 locations within half a mile of this property.

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