86 Union St, Belfast, ME 04915 Property Records

Waldo County and Belfast City property record for 86 Union St, Belfast, ME 04915

Property Summary

Property Type	Single Family Home
Details	2 ba · 990 sqft
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,469 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Nov 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`BELF M:037 L:086`

Property Details

APN / Parcel Number

Primary APN	`BELF M:037 L:086`
Alternative APN	`3143`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	990 sqft Living Area

Exterior

Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	3143
Street Address	86 UNION ST
City	BELFAST
State	ME
Zip	04915-6728
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	86
Jurisdiction	BELFAST ME
Township / Civil Division	BELFAST
Census Block Group	3
Census Block	3034
Census Tract	43000

Owner

86 Union St, a single family home, is owned by two individuals.

Source: Waldo County and Belfast City records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 233, BELFAST, ME 04915-0233
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2020	Deed of Trust, Mortgage CAMDEN NAT'L BK
Nov 22, 2019	Deed of Trust, Mortgage · Line of Credit CAMDEN NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELFAST ME
Property Address	86 UNION ST, BELFAST, ME 04915-6728
Document Number	0045510217
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Oct 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	86 UNION ST BELFAST ME 049156728, BELFAST, ME 04915-6728

Mortgage

Document Number	0045510217
Date	Sep 30, 2020
Book Page	004551/000217
Instrument	9310

Lender

Name	CAMDEN NAT'L BK
Type	Bank
Address	ROCKPORT, ME 04856

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELFAST ME
Property Address	86 UNION ST, BELFAST, ME 04915-6728
Document Number	0044460232
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Dec 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 UNION ST BELFAST ME 049156728, BELFAST, ME 04915-6728

Mortgage

Document Number	0044460232
Date	Dec 6, 2019
Book Page	004446/000232
Instrument	11848

Lender

Name	CAMDEN NAT'L BK
Type	Bank
Address	CAMDEN, ME 04843

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 5, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 86 Union St was $7,469, up 6.5% from the year before.

Source: Waldo County and Belfast City assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Waldo County
Municipality	Belfast City
Unified School District	Regional School Unit 71 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$7,469.00 (+6.46%)	$457,100 (+0.33%) Land $154,000 Building $303,100
2024	$7,016.00 (+6.09%)	$455,600 (+38.48%) Land $154,000 Building $301,600
2023	$6,613.00 (-3.35%)	$329,000 (+2.91%) Land $119,600 Building $209,400
2022	$6,842.00	$319,700 Land $119,600 Building $200,100

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

Flood

FEMA maps place 86 Union St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	17 (1987–2024)
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jan 2024 · 3 claims

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

Wildfire risk around 86 Union St is low, with a 0.01% annual chance of 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BELFAST WATER DISTRICT serves 5,698 people · EPA ID ME0090140
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Tidewater O.P.E.N., UniTel.

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