87 River Rd, Topsham, ME 04086 Property Records

Sagadahoc County and Topsham Town property record for 87 River Rd, Topsham, ME 04086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,828 sqft · built 2022
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Oct 2025)
Tax Bill	$6,938 (2025)
Deeds & Mortgages	Nov 2022 Refinance Aug 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`TOPM M:R01 L:014-D`

Property Details

APN / Parcel Number

Primary APN	`TOPM M:R01 L:014-D`
Alternative APNs	`M:R01 L:014=D` `1609`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,828 sqft Living Area
Gross Area	4,748 sqft
1st Floor Area	720 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Hip
Roof Material	Asphalt
Lot Area	26,136 sqft (0.6 acres)

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Oil

Location & Zoning

Account Number	1609
Street Address	87 RIVER RD
City	TOPSHAM
State	ME
Zip	04086-6147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NO
Legal Lot Number	14-D
Jurisdiction	TOPSHAM ME
Township / Civil Division	TOPSHAM
Census Block Group	2
Census Block	2011
Census Tract	970302

Owner

87 River Rd is owned by two individuals who bought it in October 2025.

Source: Sagadahoc County and Topsham Town records, as of July 30, 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 File
Mailing Address	471 DUCK POND RD, WESTBROOK, ME 04092-2509
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST FSLA
Aug 15, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST FSLA
Sep 12, 2022	Deed of Trust, Mortgage · ARM FIRST FSLA
Jan 6, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST FSLA
Oct 27, 2025	Warranty Deed, Transfer JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2025 · Amount on File
Deed Sale	Oct 27, 2025 · Amount on File
Deed Document Number	2025R05998
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSHAM ME
Property Address	87 RIVER RD, TOPSHAM, ME 04086-6147
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008226
Date	Nov 22, 2022
Instrument	2022R-08226

Lender

Name	FIRST FSLA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSHAM ME
Property Address	87 RIVER RD, TOPSHAM, ME 04086-6147
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005583
Date	Aug 15, 2022
Instrument	2022R-05583

Lender

Name	FIRST FSLA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSHAM ME
Property Address	87 RIVER RD, TOPSHAM, ME 04086-6147
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006392
Date	Sep 12, 2022
Instrument	2022R-06392

Lender

Name	FIRST FSLA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Sep 7, 2027
Index	1-Year CMT

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSHAM ME
Property Address	87 RIVER RD, TOPSHAM, ME 04086-6147
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000108
Date	Jan 6, 2023
Instrument	2023R-00108

Lender

Name	FIRST FSLA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TOPSHAM ME
Recording Date	Oct 27, 2025
Property Address	87 RIVER RD, TOPSHAM, ME 04086-6147
Document Number	0000005998
Instrument Date	Oct 7, 2025
Instrument	2025R-05998
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
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
Address	471 DUCK POND RD, WESTBROOK, ME 04092-2509

Mortgage

Document Number	0000005999
Date	Oct 27, 2025
Instrument	2025R-05999

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 87 River Rd was $6,938.

Source: Sagadahoc County and Topsham Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Sagadahoc County
County Subdivision	Topsham Town
Unified School District	School Administrative District 75 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$6,938.00	$542,000 Land $63,800 Building $478,200
2023	$6,345.00 (+345.89%)	$467,200 (+373.35%) Land $56,400 Building $410,800
2022	$1,423.00	$98,700 Land $54,400 Building $44,300

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.

Flood

FEMA maps place 87 River Rd 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1979–1987)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 1987 · Severe Storms & Flooding

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 87 River Rd 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	BRUNSWICK/TOPSHAM WATER DISTRICT serves 18,863 people · EPA ID ME0090260
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2025) 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
GoNetspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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