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Single Family ResidentialResidential
$231,733$209 / 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 66How 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

195 RIVER RD

NAPLES, ME 04055
0
Baths
1,110 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.
1.24 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$232K
$154K low$310K 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.$73,733
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$58,986
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.69%
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.$108,000
FIRST HORIZON HOME LOAN · recorded Dec 22, 2005
2nd 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.$50,000
EVERGREEN CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,751 (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.$184,359 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$58,672
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$125,687

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.23 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residential
CountyCUMBERLAND
Lot (acres)The size of the land the home sits on, from county records.1.24
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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
Songo Locks School
Elementary · Grades KG–5 · 3.6 mi
M
Lake Region Middle SchoolC-
Middle · Grades 6–8 · 3.8 mi
H
Lake Region High SchoolC-
High · Grades 9–12 · 4.0 mi

District: School Administrative District 61

Neighborhood · ZIP 04055These 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.175
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.91

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.56%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.3,994
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.108 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$74,009
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$97,204
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.47 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

195 River Rd 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.

  • Among the least valuable homes in Cumberland County
  • Costs less per square foot than 97% of homes in Cumberland County
  • Smaller than 74% of homes in Cumberland County
  • Has a bigger lot than 67% of homes in Cumberland County

What homes are worth in Naples 04055

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

This home
$165K$1.2M

This home is worth more than 8% of homes in Naples 04055.

How it measures up in Naples 04055

The dot is this home. The mark in the middle is the typical home in Naples 04055.

Estimated value$231,733
CheaperTypical $403,099Pricier

Pricier than 8% of homes nearby

Price per ft²$209
CheaperTypical $425Pricier

Pricier than 4% of homes nearby

Living area1,110 ft²
SmallerTypical 972 ft²Bigger

Bigger than 66% of homes nearby

Lot size1.24 ac
SmallerTypical 1.18 acBigger

Bigger than 52% of homes nearby

How 195 River Rd ranks against every home in each area.
MeasureThis homeNaples 04055Cumberland County
Estimated valuepricier than$231,7338% of homesalmost no homes
Price per ft²pricier than$2094% of homes3% of homes
Living areabigger than1,110 ft²66% of homes26% of homes
Lot sizebigger than1.24 ac52% of homes67% of homes

About 195 River Rd

How much is 195 River Rd, Naples, ME worth?

The TopHap Estimate for 195 River Rd, Naples, ME is $231,733 as of Jul 14, 2026. The likely range is $153,615 to $309,851. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 195 River Rd, Naples, ME last sell?

195 River Rd, Naples, ME last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 195 River Rd, Naples, ME?

195 River Rd, Naples, ME has 1,110 square feet of living space and a 1.24-acre lot.

What schools serve 195 River Rd, Naples, ME?

195 River Rd, Naples, ME is assigned to Songo Locks School (elementary); Lake Region Middle School (middle), rated C-; Lake Region High School (high), rated C-. All sit in School Administrative District 61. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 195 River Rd, Naples, ME compare to other homes in Naples 04055?

Among the 950 homes in Naples 04055, it is worth more than 8% of them ($231,733 against a typical $403,099), its price per square foot is higher than 4% of them ($209 against a typical $425), it is bigger than 66% of them (1,110 ft² against a typical 972 ft²) and its lot is bigger than 52% of them (1.24 ac against a typical 1.18 ac). Measured against all of Cumberland County, it is worth more than almost no 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 195 River Rd, Naples, ME?

The 2025 property tax bill for 195 River Rd, Naples, ME was $1,751. The county assessed it at $184,359.

Closest homes

More homes in Naples 04055

Assigned schools

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See this home in context

Open 195 River Rd on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

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