97 River Rd, Topsham, ME 04086 Property Records

Sagadahoc County and Topsham Town property record for 97 River Rd, Topsham, ME 04086

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,402 sqft · built 1940
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on Record
Tax Bill	$4,165 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Oct 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`TOPM M:R01 L:014-H`

Property Details

APN / Parcel Number

Primary APN	`TOPM M:R01 L:014-H`
Alternative APNs	`M:R01 L:014=H` `50`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,402 sqft Living Area
Gross Area	2,942 sqft
1st Floor Area	986 sqft
Basement Area	986 sqft
Unfinished Basement	986 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,473 sqft (0.47 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	50
Street Address	97 RIVER RD
City	TOPSHAM
State	ME
Zip	04086-6148
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NO
Legal Lot Number	14-H
Jurisdiction	TOPSHAM ME
Township / Civil Division	TOPSHAM
Census Block Group	2
Census Block	2011
Census Tract	970302

Owner

Source: Sagadahoc County and Topsham 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	97 RIVER RD, TOPSHAM, ME 04086-6148
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2022	Deed of Trust, Mortgage · Line of Credit MIDCOAST FEDERAL CREDIT UNION
Oct 1, 2020	Deed of Trust, Mortgage · Line of Credit MIDCOAST FCU
Feb 28, 2019	Deed of Trust, Mortgage MIDCOAST FCU
Feb 22, 2018	Deed of Trust, Mortgage · Line of Credit GREEN TREE SERVICING

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSHAM ME
Property Address	97 RIVER RD, TOPSHAM, ME 04086-6148
Transaction Type	Mortgage
Record Updated	Jul 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004283
Date	Jun 22, 2022
Instrument	2022R-04283

Lender

Name	MIDCOAST FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2042

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSHAM ME
Property Address	97 RIVER RD, TOPSHAM, ME 04086-6148
Document Number	0000007715
Instrument Date	Oct 1, 2020
Transaction Type	Mortgage
Record Updated	Oct 16, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 RIVER RD TOPSHAM ME 040866148, TOPSHAM, ME 04086-6148

Mortgage

Document Number	0000007715
Date	Oct 6, 2020
Instrument	7715

Lender

Name	MIDCOAST FCU
Type	Credit Union
Address	FREEPORT, ME 04032

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 5, 2040

Interest

Rate Type	Adjustable Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSHAM ME
Property Address	97 RIVER RD, TOPSHAM, ME 04086-6148
Document Number	0000001291
Instrument Date	Feb 28, 2019
Transaction Type	Mortgage
Record Updated	Apr 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 RIVER RD TOPSHAM ME 040866148, TOPSHAM, ME 04086-6148

Mortgage

Document Number	0000001291
Date	Mar 5, 2019
Instrument	1291

Lender

Name	MIDCOAST FCU
Type	Credit Union
Address	FREEPORT, ME 04032

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 4, 2049

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSHAM ME
Property Address	97 RIVER RD, TOPSHAM, ME 04086-6148
Document Number	0000001444
Instrument Date	Feb 22, 2018
Transaction Type	Mortgage
Record Updated	Mar 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 RIVER RD TOPSHAM ME 040866148, TOPSHAM, ME 04086-6148

Mortgage

Document Number	0000001444
Date	Mar 7, 2018
Instrument	1444

Lender

Name	GREEN TREE SERVICING

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$4,165.00 (+5.95%)	$325,400 (+12.4%) Land $62,000 Building $263,400
2023	$3,931.00 (+12.64%)	$289,500 (+19.63%) Land $54,600 Building $234,900
2022	$3,490.00	$242,000 Land $52,700 Building $189,300

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

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 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

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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