Cumberland County and Gray Town property record for 98 Lake Ave, Gray, ME 04039
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,783 sqft · built 2004 |
| Lot Size | 2.43 acres (105,851 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,290 (2025) |
| Deeds & Mortgages | Mar 2021 Refinance Jul 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | L0328B000000 |
| Primary APN | L0328B000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,783 sqft Living Area |
| Basement Area | 452 sqft |
| Unfinished Basement | 452 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Material | Asphalt |
| Lot Area | 105,851 sqft (2.43 acres) |
| Deck Area | Deck Area |
| Heating System | Baseboard |
|---|
| Account Number | 3500 |
|---|---|
| Street Address | 98 LAKE AVE |
| City | GRAY |
| State | ME |
| Zip | 04039-9792 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Block | 303 |
| Legal Lot Number | 28-2 |
| Jurisdiction | GRAY ME |
| Township / Civil Division | GRAY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 4701 |
Source: Cumberland County and Gray 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 98 LAKE AVE, GRAY, ME 04039-9792 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 31, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance RELIANCE FIRST CAPITAL LLC |
| Jul 13, 2018 | Deed of Trust, Mortgage RELIANCE FIRST CAP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 22, 2019 |
| Deed Sale | Mar 22, 2019 |
| Prior Sale | May 15, 2009 |
| Deed Document Number | 201911725 |
| Deed Book / Page | 35533 / 272 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRAY ME |
| Property Address | 98 LAKE AVE, GRAY, ME 04039-9792 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0380050114 |
|---|---|
| Date | Mar 31, 2021 |
| Book Page | 38005/114 |
| Instrument | 22775 |
| Name | RELIANCE FIRST CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRAY ME |
| Property Address | 98 LAKE AVE, GRAY, ME 04039-9792 |
| Document Number | 0350270090 |
| Instrument Date | Jul 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 98 LAKE AVE GRAY ME 040399792, GRAY, ME 04039-9792 |
| Document Number | 0350270090 |
|---|---|
| Date | Jul 30, 2018 |
| Book Page | 035027/000090 |
| Instrument | 36722 |
| Name | RELIANCE FIRST CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NY 11747 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jul 29, 2033 |
Source: Cumberland County and Gray Town assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Cumberland County |
| County Subdivision | Gray Town |
| Unified School District | School Administrative District 15 (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $7,290.00 (+12.87%) | $753,100 (+76.99%) Land $224,300 Building $528,800 |
| 2023 | $6,459.00 (+8.81%) | $425,500 (-) Land $87,200 Building $338,300 |
| 2022 | $5,936.00 | $425,500 Land $87,200 Building $338,300 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 1 in force |
| Nearby Flood Claims | 2 (2002) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Oct 2002 · river or lake 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 97.3% 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.
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 |
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