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Single Family ResidenceResidential
$449,255$253 / 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 85How 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

20 SPENCERS RIDGE RD

FREEPORT, ME 04032
3
Beds
2.5
Baths
1,778 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.
2.8 ac
Lot SizeThe size of the land the home sits on, from county records.
2015
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$449K
$381K low$517K 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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.103%
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.$281,250
GORHAM SAVINGS BANK · recorded Nov 27, 2015
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.$175,000
GORHAM SAVINGS BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,472 (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.$395,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$121,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$273,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$389,400

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.40
45
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
5
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
49
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
84
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
20
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.10 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
CountyCUMBERLAND
Lot (acres)The size of the land the home sits on, from county records.2.80
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

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

M
Freeport Middle SchoolA+
Middle · Grades 6–8 · 2.9 mi
E
Morse Street School
Elementary · Grades PK–2 · 3.3 mi
H
Freeport High SchoolA+
High · Grades 9–12 · 3.5 mi

District: Regional School Unit 05

Neighborhood · ZIP 04032These 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.101
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 100.79

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.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.4%
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.9,251
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.188 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$109,884
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$131,704
Average tempThe average temperature here across a full year.46°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.Yes

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 Spencers Ridge 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 84% of homes in Freeport 04032
  • Costs less per square foot than 95% of homes in Freeport 04032
  • Has a bigger lot than 86% of homes in Cumberland County
  • Newer than 91% of homes in Cumberland County

What homes are worth in Freeport 04032

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

This home
$309K$2.2M

This home is worth more than 16% of homes in Freeport 04032.

How it measures up in Freeport 04032

The dot is this home. The mark in the middle is the typical home in Freeport 04032.

Estimated value$449,255
CheaperTypical $710,130Pricier

Pricier than 16% of homes nearby

Price per ft²$253
CheaperTypical $406Pricier

Pricier than 5% of homes nearby

Living area1,778 ft²
SmallerTypical 1,714 ft²Bigger

Bigger than 53% of homes nearby

Lot size2.8 ac
SmallerTypical 1.84 acBigger

Bigger than 68% of homes nearby

Year built2015
OlderTypical 1987Newer

Newer than 90% of homes nearby

How 20 Spencers Ridge Rd ranks against every home in each area.
MeasureThis homeFreeport 04032Cumberland County
Estimated valuepricier than$449,25516% of homes28% of homes
Price per ft²pricier than$2535% of homes9% of homes
Living areabigger than1,778 ft²53% of homes62% of homes
Lot sizebigger than2.8 ac68% of homes86% of homes
Year builtnewer than201590% of homes91% of homes

About 20 Spencers Ridge Rd

How much is 20 Spencers Ridge Rd, Freeport, ME worth?

The TopHap Estimate for 20 Spencers Ridge Rd, Freeport, ME is $449,255 as of Jul 14, 2026. The likely range is $381,052 to $517,458. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Spencers Ridge Rd, Freeport, ME last sell?

20 Spencers Ridge Rd, Freeport, ME last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 20 Spencers Ridge Rd, Freeport, ME?

20 Spencers Ridge Rd, Freeport, ME has 3 bedrooms, 2.5 bathrooms, 1,778 square feet of living space and a 2.80-acre lot.

When was 20 Spencers Ridge Rd, Freeport, ME built?

20 Spencers Ridge Rd, Freeport, ME was built in 2015, making it 11 years old. The building has 2 stories.

What schools serve 20 Spencers Ridge Rd, Freeport, ME?

20 Spencers Ridge Rd, Freeport, ME is assigned to Freeport Middle School (middle), rated A+; Morse Street School (elementary); Freeport High School (high), rated A+. All sit in Regional School Unit 05. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20 Spencers Ridge Rd, Freeport, ME compare to other homes in Freeport 04032?

Among the 3,671 homes in Freeport 04032, it is worth more than 16% of them ($449,255 against a typical $710,130), its price per square foot is higher than 5% of them ($253 against a typical $406), it is bigger than 53% of them (1,778 ft² against a typical 1,714 ft²), its lot is bigger than 68% of them (2.8 ac against a typical 1.84 ac) and it is newer than 90% of them (2015 against a typical 1987). Measured against all of Cumberland County, it is worth more than 28% 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 Spencers Ridge Rd, Freeport, ME?

The 2025 property tax bill for 20 Spencers Ridge Rd, Freeport, ME was $5,472. The county assessed it at $395,100.

Closest homes

More homes in Freeport 04032

Assigned schools

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