97 Wards Cove Rd, Standish, ME 04084 Property Records

Cumberland County and Standish Town property record for 97 Wards Cove Rd, Standish, ME 04084

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 966 sqft · built 2013
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Oct 2010)
Tax Bill	$8,403 (2025)
Deeds & Mortgages	May 2023 Line of Credit Feb 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`STAN M:51 L:37`

Property Details

APN / Parcel Number

Primary APN	`STAN M:51 L:37`
Alternative APN	`M4120R`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	966 sqft Living Area
Gross Area	2,656 sqft
1st Floor Area	918 sqft
Attic	Attic
Attic Area	240 sqft
Basement Area	918 sqft
Unfinished Basement	918 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Carport
Carport	Carport
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	M4120R
Street Address	97 WARDS COVE RD
City	STANDISH
State	ME
Zip	04084-5730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Lot Number	37
Jurisdiction	STANDISH ME
Township / Civil Division	STANDISH
Census Block Group	2
Census Block	2005
Census Tract	17002

Owner

97 Wards Cove Rd is owned and occupied by two individuals who bought it in October 2010.

Source: Cumberland County and Standish Town records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	97 WARDS COVE RD, STANDISH, ME 04084-5730
Occupancy	Owner Occupied
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
May 26, 2023	Deed of Trust, Mortgage · Line of Credit SACO & BIDDEFORD SAVINGS
Feb 28, 2018	Deed of Trust, Mortgage SACO & BIDDEFORD SAVS
Jul 3, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 1, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2010 · Amount on File
Deed Sale	Oct 18, 2010 · Amount on File
Deed Book / Page	28180 / 78
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANDISH ME
Property Address	97 WARDS COVE RD, STANDISH, ME 04084-5730
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0401490226
Date	May 26, 2023
Book Page	40149/226
Instrument	16514

Lender

Name	SACO & BIDDEFORD SAVINGS
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2043

Interest

Rate Type	Adjustable Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANDISH ME
Property Address	97 WARDS COVE RD, STANDISH, ME 04084-5730
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0346800001
Date	Feb 28, 2018
Book Page	34680/0001
Instrument	000000009286

Lender

Name	SACO & BIDDEFORD SAVS

Agreement

Amount	Amount on Record
Term	241 Months
Due	Mar 16, 2038

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANDISH ME
Recording Date	Jul 3, 2019
Property Address	97 WARDS COVE RD, STANDISH, ME 04084-5730
Document Number	0357750264
Book / Page	035775 / 000264
Instrument Date	Jun 4, 2019
Instrument	29612
Transaction Type	Transfer
Record Updated	Jul 29, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	247 LEDGE RD YARMOUTH ME 040967520, YARMOUTH, ME 04096-7520

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANDISH ME
Recording Date	Jun 1, 2017
Property Address	97 WARDS COVE RD, STANDISH, ME 04084-5730
Document Number	0340500287
Book / Page	034050 / 000287
Instrument Date	May 26, 2017
Instrument	24756
Transaction Type	Transfer
Record Updated	Jul 25, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	97 WARDS COVE RD STANDISH ME 040845730, STANDISH, ME 04084-5730

Tax Assessment & Valuation

The 2025 property tax bill for 97 Wards Cove Rd was $8,403, up 6.2% from the year before.

Source: Cumberland County and Standish Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Standish Town
Unified School District	School Administrative District 06 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$8,403.00 (+6.18%)	$677,700 (+7.9%) Land $491,500 Building $186,200
2024	$7,914.00 (+16.66%)	$628,100 (+28.24%) Land $454,100 Building $174,000
2023	$6,784.00 (+1%)	$489,800 (+14.76%) Land $344,900 Building $144,900
2022	$6,167.00	$426,800 Land $305,200 Building $121,600

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

Flood

FEMA maps place 97 Wards Cove Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	4 (1998–2010)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Feb 2010 · Severe Winter Storm

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 97 Wards Cove Rd is low, with less than 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 99.1% of the US · lower than 99.7% 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 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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