Cape Elizabeth, ME
Cumberland County43.5964°N, 70.2285°W
Tracking 4,510 properties across Cape Elizabeth, Maine — a community where the median home dates to 1965. Every parcel mapped with building characteristics, environmental exposure, hazard risk, and ownership history assembled from 140+ sources.
4,510
Properties Tracked
1965
Median Year Built
$244K
Median Assessed Value
2%
FEMA Flood Zone
1.11M
NEP Data Facts Tracked
100%
Coastal Zone
Click any parcel to view intelligence
Cape Elizabeth, MEInc. 1765
Cape Elizabeth is an affluent coastal town immediately south of Portland, with a dramatic Atlantic coastline that includes Portland Head Light — the most photographed lighthouse in America. The housing stock is predominantly single-family homes on generous lots, with the oceanfront properties commanding the town's highest values.
For property professionals, Cape Elizabeth is the premium residential market in the Portland area — high assessed values, coastal exposure, and a housing stock where ocean proximity and views are the primary value drivers.
Risk Profile
FEMA flood zones, fire protection grades, radon, coastal exposure, storm surge — parcel by parcel
FEMA Flood Zones
86 properties (2%) are in FEMA Special Flood Hazard Areas, where flood insurance is required for federally-backed mortgages.
X
4,424
AE
44
VE
28
A
11
AO
3
Fire Protection Grades
Fire protection grades reflect proximity to fire stations and hydrant infrastructure. Grade affects insurance pricing in every New England state.
Grade A
374
Grade B
1,554
Grade C
2,283
Grade D
190
Grade E
109
Coastal & Water Exposure
4,510 properties (100%) are within 3 miles of the ocean. 752 are classified as waterfront. The closest property is 0 ft from the coastline.
145
SLR 1 ft
Properties affected
203
SLR 3 ft
Properties affected
260
SLR 6 ft
Properties affected
262
Surge Exposure
Cat 1/2/3/4
246
Marine
Waterfront
208
Pond
Waterfront
58
Estuary
Waterfront
Zone 2
Radon Risk
112 mph
Design Wind Speed
ASCE 7 standard
50 psf
Ground Snow Load
ASCE 7 standard
Relatively Low
FEMA Risk Index
NRI composite rating
The Property Landscape
4,510 properties · Median year built 1965 · Avg 1,964 sf
Property Types
Single Family
3,804
Institutional
532
Other
106
Agricultural / Open Space
31
Industrial
26
Commercial
7
Mixed Use
4
Construction by Era
1800-1849
16
1850-1899
75
1900-1949
871
1950-1979
1,263
1980-1999
666
2000+
433
Living in Cape Elizabeth
Cumberland County · Maine
Zip Codes0410604107
9,535
Population
2020 Census
4,510
Properties
$244K
Median Assessed
59%
Owner-Occupied
14.8
Square Miles
Cape Elizabeth covers 14.8 square miles in Cumberland County, Maine. The median assessed property value is $244K.
Single-family homes account for 3,804 of Cape Elizabeth's 4,510 properties. About 59% of properties are owner-occupied, and 6% are owned by someone out of state.
Assessed values range widely — the middle 50% of properties fall between $169K and $369K, with the highest assessed property at $46.1M. For professionals working in this market, the value spread tells you a lot about what you'll encounter door to door.
46% of properties are on municipal sewer, with the remainder on private septic systems. Electric service is provided by CENTRAL MAINE POWER CO. 214 properties have identified commercial activity — restaurants, retail, professional offices, and services that give Cape Elizabeth its character.
What Cape Elizabeth Property Intelligence Means for Professionals
Insurance & Underwriting
With 2% of properties in FEMA flood zones and 100% in the coastal zone, Cape Elizabeth concentrates several major underwriting variables. Parcel-level hazard data provides the granularity that ZIP-level aggregation misses.
Insurance solutionsReal Estate & Appraisal
Cape Elizabeth's 7 property types, spanning construction from 1802 to present, require local market knowledge for accurate comparable selection and valuation. NEP assembles building characteristics, environmental exposure, and condition signals into a single property profile.
Real estate solutionsLending & Title
Collateral assessment requires flood zone verification, environmental screening, and ownership chain validation. 2% of Cape Elizabeth properties are in SFHAs where flood insurance is a federal lending requirement. NEP provides property-level compliance data from public records.
Lending solutionsInspection & Property Services
Understanding a property's construction era, environmental exposure, and building characteristics before arriving on site transforms inspection from discovery to verification.
Inspection solutionsExplore Cape Elizabeth property intelligence.
4,510 Cape Elizabeth properties — each with risk profiles, building data, permit history, and ownership analysis from 140+ sources. Open any property and see the full picture.
Newburyport, MA · Federalist · 3,524 sq ft · 4 bed / 3 bath · Built 1800 · Historic District
NEP Property Intelligence Summary
ConditionC1Fire ClassBFlood ZoneXOwnerIndividualOccupancyOwner-Occupied
Purchased2018 (8yr)Permits11 totalSystems3 updatedLiensClearAssessed$1.6MOcean0.3 mi
EraPre-1940HistoricDesignatedRenovationRecentRadonZone 1
Cite this data
Source: NE Provenance, “Professional Property Intelligence for New England,” neprovenance.com/insights/town/cape-elizabeth-me. For references or attribution, please link back to this page or neprovenance.com. Thank you, we appreciate it.