98 Birch St, Bangor, ME 04401 Property Records

Penobscot County and Bangor City property record for 98 Birch St, Bangor, ME 04401

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 2,120 sqft · built 1900
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Apr 2026)
Tax Bill	$4,170 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BANG M:054 L:077`

Property Details

APN / Parcel Number

Primary APN	`BANG M:054 L:077`
Alternative APN	`546`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,120 sqft Living Area
Basement Area	250 sqft
Unfinished Basement	250 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	546
Street Address	98 BIRCH ST
City	BANGOR
State	ME
Zip	04401-5405
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	URD1
Legal Lot Number	77
Jurisdiction	BANGOR ME
Township / Civil Division	BANGOR
Census Block Group	3
Census Block	3004
Census Tract	200

Owner

Source: Penobscot County and Bangor City records, as of May 22, 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	127 BIRCH ST, BANGOR, ME 04401-5404
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Jul 27, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage CAMDEN NATIONAL BANK
Mar 5, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2026 · Amount on Record
Deed Sale	Apr 13, 2026 · Amount on Record
Prior Sale	Jul 27, 2021 · Amount on Record
Deed Book / Page	17836 / 256
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANGOR ME
Recording Date	Apr 13, 2026
Property Address	98 BIRCH ST, BANGOR, ME 04401-5405
Document Number	0178360256
Book / Page	17836 / 256
Instrument Date	Apr 10, 2026
Instrument	2026.8079
Transaction Type	Transfer
Record Updated	May 25, 2026

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
Address	127 BIRCH ST, BANGOR, ME 04401-5404

Mortgage

Date	Apr 13, 2026

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANGOR ME
Recording Date	Jul 27, 2021
Property Address	98 BIRCH ST, BANGOR, ME 04401-5405
Document Number	0161240152
Book / Page	16124 / 152
Instrument Date	Jul 23, 2021
Instrument	25660
Transaction Type	Transfer
Record Updated	Feb 3, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2386 STATE HIGHWAY 508, ONALASKA, WA 98570-9643

Mortgage

Document Number	0000025661
Date	Jul 27, 2021
Instrument	25661

Lender

Name	CAMDEN NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BANGOR ME
Recording Date	Mar 5, 2019
Property Address	98 BIRCH ST, BANGOR, ME 04401-5405
Document Number	0150830028
Book / Page	015083 / 000028
Instrument Date	Feb 28, 2019
Instrument	4874
Transaction Type	Transfer
Record Updated	Apr 1, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 BIRCH AVE ELLSWORTH ME 046051605, ELLSWORTH, ME 04605-1605

Tax Assessment & Valuation

Source: Penobscot County and Bangor City assessment roll, as of May 22, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Penobscot County
Municipality	Bangor City
Unified School District	Bangor (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,170.00 (+5.04%)	$235,600 (+10.09%) Land $25,500 Building $210,100
2024	$3,970.00 (+10.4%)	$214,000 (+13.95%) Land $24,300 Building $189,700
2023	$3,596.00 (+9.9%)	$187,800 (+17.08%) Land $23,400 Building $164,400
2022	$3,272.00	$160,400 Land $23,400 Building $137,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 7, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	BANGOR WATER DISTRICT serves 27,298 people · EPA ID ME0090110
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 211 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GoNetspeed.

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