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Single Family ResidenceResidential
$404,770$362 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

12 RAMSAY TER

SCARBOROUGH, ME 04074
2
Beds
1
Baths
1,119 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.52 ac
Lot SizeThe size of the land the home sits on, from county records.
1956
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$405K
$360K low$450K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$74,770
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$59,816
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.80%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$330,000
FINANCIAL FREEDOM SENIOR FUNDI · recorded May 2, 2005

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,399 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$300,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$148,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$151,900

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyCUMBERLAND
Lot (acres)The size of the land the home sits on, from county records.0.52
RoofThe main material covering the roof, such as asphalt shingle or tile.Roll Composition (rolled Mineral Roof)
HeatingThe type of heating system in the home.Hot Water
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Pleasant Hill School
Elementary · Grades KG–2 · 0.3 mi
H
Scarborough High SchoolA
High · Grades 9–12 · 1.8 mi
M
Scarborough Middle SchoolA
Middle · Grades 6–8 · 2.1 mi

District: Scarborough

Neighborhood · ZIP 04074These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.52
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.86

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.35%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.23,056
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.437 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$119,909
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$150,801
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

12 Ramsay Ter measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 93% of homes in Scarborough 04074
  • Costs less per square foot than 66% of homes in Scarborough 04074
  • Smaller than 84% of homes in Scarborough 04074
  • Older than 83% of homes in Scarborough 04074

What homes are worth in Scarborough 04074

Each bar is how many homes fall in that price range. The marker is this home.

This home
$324K$2.1M

This home is worth more than 7% of homes in Scarborough 04074.

How it measures up in Scarborough 04074

The dot is this home. The mark in the middle is the typical home in Scarborough 04074.

Estimated value$404,770
CheaperTypical $744,254Pricier

Pricier than 7% of homes nearby

Price per ft²$362
CheaperTypical $402Pricier

Pricier than 34% of homes nearby

Living area1,119 ft²
SmallerTypical 1,814 ft²Bigger

Bigger than 16% of homes nearby

Lot size0.52 ac
SmallerTypical 0.52 acBigger

Bigger than 48% of homes nearby

Year built1956
OlderTypical 1990Newer

Newer than 17% of homes nearby

How 12 Ramsay Ter ranks against every home in each area.
MeasureThis homeScarborough 04074Cumberland County
Estimated valuepricier than$404,7707% of homes18% of homes
Price per ft²pricier than$36234% of homes42% of homes
Living areabigger than1,119 ft²16% of homes26% of homes
Lot sizebigger than0.52 ac48% of homes48% of homes
Year builtnewer than195617% of homes32% of homes

About 12 Ramsay Ter

How much is 12 Ramsay Ter, Scarborough, ME worth?

The TopHap Estimate for 12 Ramsay Ter, Scarborough, ME is $404,770 as of Jul 14, 2026. The likely range is $360,034 to $449,506. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12 Ramsay Ter, Scarborough, ME last sell?

12 Ramsay Ter, Scarborough, ME last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 12 Ramsay Ter, Scarborough, ME?

12 Ramsay Ter, Scarborough, ME has 2 bedrooms, 1 bathrooms, 1,119 square feet of living space and a 0.52-acre lot.

When was 12 Ramsay Ter, Scarborough, ME built?

12 Ramsay Ter, Scarborough, ME was built in 1956, making it 70 years old. It is a ranch home. The building has 1 story.

What schools serve 12 Ramsay Ter, Scarborough, ME?

12 Ramsay Ter, Scarborough, ME is assigned to Pleasant Hill School (elementary); Scarborough High School (high), rated A; Scarborough Middle School (middle), rated A. All sit in Scarborough. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12 Ramsay Ter, Scarborough, ME compare to other homes in Scarborough 04074?

Among the 8,780 homes in Scarborough 04074, it is worth more than 7% of them ($404,770 against a typical $744,254), its price per square foot is higher than 34% of them ($362 against a typical $402), it is bigger than 16% of them (1,119 ft² against a typical 1,814 ft²), its lot is bigger than 48% of them (0.52 ac against a typical 0.52 ac) and it is newer than 17% of them (1956 against a typical 1990). Measured against all of Cumberland County, it is worth more than 18% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 12 Ramsay Ter, Scarborough, ME?

The 2025 property tax bill for 12 Ramsay Ter, Scarborough, ME was $3,399. The county assessed it at $300,000.

Closest homes

More homes in Scarborough 04074

Assigned schools

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