95 Harbor Rd, Naples, ME 04055 Property Records

Cumberland County and Naples Town property record for 95 Harbor Rd, Naples, ME 04055

Property Summary

Property Type	Single Family Home
Details	884 sqft
Lot Size	0.71 acres (30,928 sqft)
Owner	Individual Name on Record
Last Sale	$451,000 (Dec 2025)
Tax Bill	$2,864 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`NAPL M:U28 L:0049`

Property Details

APN / Parcel Number

Primary APN	`NAPL M:U28 L:0049`
Alternative APN	`2262`

Interior

Stories	1 Story
Building Area	884 sqft Living Area

Exterior

Lot Area	30,928 sqft (0.71 acres)

Location & Zoning

Account Number	2262
Street Address	95 HARBOR RD
City	NAPLES
State	ME
Zip	04055-3434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Lot Number	49
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 July 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	146 MAST RD, FALMOUTH, ME 04105-2408
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2025	Deed of Trust, Mortgage NORWAY SAVINGS BANK
Dec 3, 2025	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2025 · Amount on Record
Deed Sale	Dec 3, 2025 · Amount on Record
Deed Document Number	202549969
Deed Book / Page	41908 / 43
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPLES ME
Property Address	95 HARBOR RD, NAPLES, ME 04055-3434
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0418470245
Date	Nov 4, 2025
Book Page	41847/245
Instrument	45988

Lender

Name	NORWAY SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2050

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NAPLES ME
Recording Date	Dec 3, 2025
Property Address	95 HARBOR RD, NAPLES, ME 04055-3434
Document Number	0419080043
Book / Page	41908 / 43
Instrument Date	Dec 1, 2025
Instrument	49969
Transaction Type	Transfer
Record Updated	Dec 24, 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
Address	146 MAST RD, FALMOUTH, ME 04105-2408

Mortgage

Document Number	0000049970
Date	Dec 3, 2025
Instrument	49970

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2055

Tax Assessment & Valuation

Source: Cumberland County and Naples Town assessment roll, as of July 30, 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	$2,864.00 (+3.84%)	$301,435 (-) Land $130,032 Building $171,403
2023	$2,758.00 (+10.9%)	$301,435 (-) Land $130,032 Building $171,403
2022	$2,487.00	$301,435 Land $130,032 Building $171,403

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 500 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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