93 Bay Rd, Bowdoinham, ME 04008 Property Records

Sagadahoc County and Bowdoinham Town property record for 93 Bay Rd, Bowdoinham, ME 04008

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,028 sqft · built 1976
Lot Size	1.39 acres (60,548 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Aug 2025)
Tax Bill	$4,508 (2025)
Deeds & Mortgages	May 2020 Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`BOWN M:U02 L:002`

Property Details

APN / Parcel Number

Primary APN	`BOWN M:U02 L:002`
Alternative APN	`1076`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,028 sqft Living Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Lot Area	60,548 sqft (1.39 acres)

Location & Zoning

Account Number	1076
Street Address	93 BAY RD
City	BOWDOINHAM
State	ME
Zip	04008-4001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	2
Jurisdiction	BOWDOINHAM ME
Township / Civil Division	BOWDOINHAM
Census Block Group	1
Census Block	1045
Census Tract	970200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Arnold Trail to Quebec listed 1969 · 1 contributing resources · NRIS 69000018

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Sagadahoc County and Bowdoinham 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 Record
Mailing Address	6 RETREIVER RUN, TOPSHAM, ME 04086-5134
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
May 1, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 10, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Jul 15, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage CAMDEN NATIONAL BANK
Aug 1, 2018	Intrafamily Transfer, Transfer HOMEBRIDGE FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2025 · Amount on Record
Deed Sale	Aug 18, 2025 · Amount on Record
Prior Sale	Jul 15, 2022 · Amount on Record
Deed Document Number	20252025R-04264
Deed Book / Page	2025 / 4264
Transfer Doc	0000005122
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Property Address	93 BAY RD, BOWDOINHAM, ME 04008-4001
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002947
Date	May 1, 2020
Instrument	2020R-02947

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWDOINHAM ME
Property Address	93 BAY RD, BOWDOINHAM, ME 04008-4001
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006971
Date	Oct 10, 2019
Instrument	2019R-06971

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOWDOINHAM ME
Recording Date	Jul 15, 2022
Property Address	93 BAY RD, BOWDOINHAM, ME 04008-4001
Document Number	0000004818
Instrument Date	Jul 15, 2022
Instrument	2022R-04818
Transaction Type	Transfer
Record Updated	Aug 1, 2022

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

Mortgage

Document Number	0000004819
Date	Jul 15, 2022
Instrument	2022R-04819

Lender

Name	CAMDEN NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.38%
Type Change Date	Aug 1, 2029
Max Rate At Change	2.25%
Index	1-Year CMT

August 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BOWDOINHAM ME
Recording Date	Aug 1, 2018
Property Address	93 BAY RD, BOWDOINHAM, ME 04008-4001
Document Number	0000005122
Instrument	2018R-05122
Transaction Type	Transfer
Record Updated	Feb 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005123
Date	Aug 1, 2018
Instrument	2018R-05123

Lender

Name	HOMEBRIDGE FINANCIAL

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,508.00 (+5.28%)	$203,900 (-) Land $63,500 Building $140,400
2024	$4,282.00 (+7.7%)	$203,900 (-) Land $63,500 Building $140,400
2023	$3,976.00 (+34.6%)	$203,900 (+24.86%) Land $63,500 Building $140,400
2022	$2,954.00	$163,300 Land $52,900 Building $110,400

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

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 Policies	1 in force
Nearby Flood Claims	3 (1982–2012)
Most Recent Claim	Jun 2012 · rainfall accumulation

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 80% of the US · above 53% of Maine
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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