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Single Family ResidenceResidential
$486,074$346 / 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 88How 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
Last sold for $475,000 on Jan 12, 2026

20 RAMSDELL RD

GRAY, ME 04039
3
Beds
1.5
Baths
1,404 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.
1.15 ac
Lot SizeThe size of the land the home sits on, from county records.
1993
Year BuiltThe year the home was originally built, according to county records.
2
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

$486K
$430K low$542K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$475,000 · Jan 12, 2026
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.$106,074
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$84,859
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.78%
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.$380,000
SACO & BIDDEFORD SAVINGS · recorded Jan 12, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,506 (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.$362,200 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$119,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$242,900

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.34 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 Residence
StyleThe architectural style of the home, such as ranch or colonial.Cape Cod
CountyCUMBERLAND
Lot (acres)The size of the land the home sits on, from county records.1.15
ConstructionThe main material the home's frame and walls are built from.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Baseboard
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

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.

M
Gray-New Gloucester Middle SchoolB-
Middle · Grades 5–8 · 1.3 mi
E
Russell School
Elementary · Grades KG–2 · 1.4 mi
H
Gray-New Gloucester High SchoolC
High · Grades 9–12 · 1.5 mi

District: School Administrative District 15

Neighborhood · ZIP 04039These 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.89
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.90

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.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.34%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.8,188
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.194 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$106,922
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$119,323
Average tempThe average temperature here across a full year.45°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.Absentee owner
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

20 Ramsdell 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.

  • Worth less than 65% of homes in Cumberland County
  • Has a bigger lot than 65% of homes in Cumberland County
  • Newer than 68% of homes in Cumberland County

What homes are worth in Gray 04039

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

This home
$248K$975K

This home is worth more than 46% of homes in Gray 04039.

How it measures up in Gray 04039

The dot is this home. The mark in the middle is the typical home in Gray 04039.

Estimated value$486,074
CheaperTypical $502,197Pricier

Pricier than 46% of homes nearby

Price per ft²$346
CheaperTypical $345Pricier

Pricier than 51% of homes nearby

Living area1,404 ft²
SmallerTypical 1,488 ft²Bigger

Bigger than 45% of homes nearby

Lot size1.15 ac
SmallerTypical 1.84 acBigger

Bigger than 40% of homes nearby

Year built1993
OlderTypical 1988Newer

Newer than 57% of homes nearby

How 20 Ramsdell Rd ranks against every home in each area.
MeasureThis homeGray 04039Cumberland County
Estimated valuepricier than$486,07446% of homes35% of homes
Price per ft²pricier than$34651% of homes37% of homes
Living areabigger than1,404 ft²45% of homes44% of homes
Lot sizebigger than1.15 ac40% of homes65% of homes
Year builtnewer than199357% of homes68% of homes

About 20 Ramsdell Rd

How much is 20 Ramsdell Rd, Gray, ME worth?

The TopHap Estimate for 20 Ramsdell Rd, Gray, ME is $486,074 as of Jul 14, 2026. The likely range is $429,744 to $542,404. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Ramsdell Rd, Gray, ME last sell?

20 Ramsdell Rd, Gray, ME last sold on Jan 12, 2026 for $475,000, according to the county's recorded deed.

How big is 20 Ramsdell Rd, Gray, ME?

20 Ramsdell Rd, Gray, ME has 3 bedrooms, 1.5 bathrooms, 1,404 square feet of living space and a 1.15-acre lot.

When was 20 Ramsdell Rd, Gray, ME built?

20 Ramsdell Rd, Gray, ME was built in 1993, making it 33 years old. It is a cape cod home. The building has 2 stories.

What schools serve 20 Ramsdell Rd, Gray, ME?

20 Ramsdell Rd, Gray, ME is assigned to Gray-New Gloucester Middle School (middle), rated B-; Russell School (elementary); Gray-New Gloucester High School (high), rated C. All sit in School Administrative District 15. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20 Ramsdell Rd, Gray, ME compare to other homes in Gray 04039?

Among the 3,756 homes in Gray 04039, it is worth more than 46% of them ($486,074 against a typical $502,197), its price per square foot is higher than 51% of them ($346 against a typical $345), it is bigger than 45% of them (1,404 ft² against a typical 1,488 ft²), its lot is bigger than 40% of them (1.15 ac against a typical 1.84 ac) and it is newer than 57% of them (1993 against a typical 1988). Measured against all of Cumberland County, it is worth more than 35% 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 20 Ramsdell Rd, Gray, ME?

The 2025 property tax bill for 20 Ramsdell Rd, Gray, ME was $3,506. The county assessed it at $362,200.

Closest homes

More homes in Gray 04039

Assigned schools

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