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Single Family ResidenceResidential
$412,639$337 / 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 94How 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 $230,000 on Mar 20, 2020

40 RUSTIC RD

GRAY, ME 04039
3
Beds
1.5
Baths
1,224 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.
2.29 ac
Lot SizeThe size of the land the home sits on, from county records.
1985
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

$413K
$386K low$439K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$230,000 · Mar 20, 2020
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.$228,639
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$182,911
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.44%
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.$184,000
ACADEMY MORTGAGE CORP · R · recorded Mar 20, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,474 (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.$358,900 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$122,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$236,200

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.12 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.2.29
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

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
Russell School
Elementary · Grades KG–2 · 1.2 mi
M
Gray-New Gloucester Middle SchoolB-
Middle · Grades 5–8 · 2.1 mi
H
Gray-New Gloucester High SchoolC
High · Grades 9–12 · 2.1 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.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

40 Rustic 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 80% of homes in Cumberland County
  • Costs less per square foot than 67% of homes in Cumberland County
  • Smaller than 67% of homes in Cumberland County
  • Has a bigger lot than 82% 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
$250K$965K

This home is worth more than 25% 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$412,639
CheaperTypical $501,593Pricier

Pricier than 25% of homes nearby

Price per ft²$337
CheaperTypical $344Pricier

Pricier than 47% of homes nearby

Living area1,224 ft²
SmallerTypical 1,488 ft²Bigger

Bigger than 34% of homes nearby

Lot size2.29 ac
SmallerTypical 1.84 acBigger

Bigger than 72% of homes nearby

Year built1985
OlderTypical 1988Newer

Newer than 45% of homes nearby

How 40 Rustic Rd ranks against every home in each area.
MeasureThis homeGray 04039Cumberland County
Estimated valuepricier than$412,63925% of homes20% of homes
Price per ft²pricier than$33747% of homes33% of homes
Living areabigger than1,224 ft²34% of homes33% of homes
Lot sizebigger than2.29 ac72% of homes82% of homes
Year builtnewer than198545% of homes57% of homes

About 40 Rustic Rd

How much is 40 Rustic Rd, Gray, ME worth?

The TopHap Estimate for 40 Rustic Rd, Gray, ME is $412,639 as of Jul 14, 2026. The likely range is $385,981 to $439,297. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 40 Rustic Rd, Gray, ME last sell?

40 Rustic Rd, Gray, ME last sold on Mar 20, 2020 for $230,000, according to the county's recorded deed.

How big is 40 Rustic Rd, Gray, ME?

40 Rustic Rd, Gray, ME has 3 bedrooms, 1.5 bathrooms, 1,224 square feet of living space and a 2.29-acre lot.

When was 40 Rustic Rd, Gray, ME built?

40 Rustic Rd, Gray, ME was built in 1985, making it 41 years old. It is a cape cod home. The building has 2 stories.

What schools serve 40 Rustic Rd, Gray, ME?

40 Rustic Rd, Gray, ME is assigned to Russell School (elementary); Gray-New Gloucester Middle School (middle), rated B-; 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 40 Rustic Rd, Gray, ME compare to other homes in Gray 04039?

Among the 3,756 homes in Gray 04039, it is worth more than 25% of them ($412,639 against a typical $501,593), its price per square foot is higher than 47% of them ($337 against a typical $344), it is bigger than 34% of them (1,224 ft² against a typical 1,488 ft²), its lot is bigger than 72% of them (2.29 ac against a typical 1.84 ac) and it is newer than 45% of them (1985 against a typical 1988). Measured against all of Cumberland County, it is worth more than 20% 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 40 Rustic Rd, Gray, ME?

The 2025 property tax bill for 40 Rustic Rd, Gray, ME was $3,474. The county assessed it at $358,900.

Closest homes

More homes in Gray 04039

Assigned schools

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