Scarborough, ME
Cumberland County43.5895°N, 70.3346°W
Tracking 9,354 properties across Scarborough, Maine — a community where the median home dates to 1986 and the oldest to 1728. Every parcel mapped with building characteristics, environmental exposure, hazard risk, and ownership history assembled from 140+ sources.
9,354
Properties Tracked
1986
Median Year Built
$286K
Median Assessed Value
12%
FEMA Flood Zone
2.35M
NEP Data Facts Tracked
51%
Coastal Zone
Click any parcel to view intelligence
Scarborough, MEInc. 1635
Scarborough is a large, growing suburban town south of Portland, with a long stretch of Atlantic coastline — including Scarborough Beach, Pine Point, and Prouts Neck. The town has seen significant residential and commercial development along the Route 1 and Payne Road corridors. The Scarborough Marsh, the largest salt marsh in Maine, creates environmental features and constraints.
For property professionals, Scarborough is a diverse, growing market with coastal flood exposure along the beach and marsh areas, significant commercial development, and a residential stock that includes everything from oceanfront homes to new subdivisions. The marsh creates extensive environmental constraints that affect development and assessment.
Risk Profile
FEMA flood zones, fire protection grades, radon, coastal exposure, storm surge — parcel by parcel
FEMA Flood Zones
1,116 properties (12%) are in FEMA Special Flood Hazard Areas, where flood insurance is required for federally-backed mortgages.
X
8,238
AE
988
VE
98
A
30
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
1,440
Grade B
2,572
Grade C
2,635
Grade D
1,514
Grade E
1,193
Coastal & Water Exposure
4,727 properties (51%) are within 3 miles of the ocean. 2,378 are classified as waterfront. The closest property is 1 ft from the coastline.
561
SLR 1 ft
Properties affected
862
SLR 3 ft
Properties affected
1,453
SLR 6 ft
Properties affected
1,773
Surge Exposure
Cat 1/2/3/4
827
Estuary
Waterfront
528
Pond
Waterfront
198
River/Stream
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
9,354 properties · Median year built 1986 · Avg 2,228 sf
Property Types
Residential Other
5,820
Single Family
1,116
Commercial
911
Institutional
748
Other
311
Industrial
283
Agricultural / Open Space
161
Mixed Use
4
Construction by Era
Pre-1800
21
1800-1849
39
1850-1899
109
1900-1949
1,086
1950-1979
2,049
1980-1999
2,856
2000+
1,891
Market Activity
Recorded transactions from Cumberland County Registry of Deeds
81%
Owner-Occupied
10%
Out-of-State Owners
NE Provenance tracks recorded deeds, mortgages, and liens for 71% of Scarborough properties. Ownership intelligence includes transaction history, entity detection, portfolio identification, and lien analysis — assembled from public registry records into a single property-level profile.
Living in Scarborough
Cumberland County · Maine
Zip Codes04074040930410604107
22,135
Population
2020 Census
9,354
Properties
$286K
Median Assessed
81%
Owner-Occupied
47.8
Square Miles
Scarborough covers 47.8 square miles in Cumberland County, Maine. The median assessed property value is $286K.
Single-family homes account for 1,116 of Scarborough's 9,354 properties. There are 911 commercial properties. About 81% of properties are owner-occupied, and 10% are owned by someone out of state.
Assessed values range widely — the middle 50% of properties fall between $196K and $399K, with the highest assessed property at $47.1M. For professionals working in this market, the value spread tells you a lot about what you'll encounter door to door.
58% of properties are on municipal sewer, with the remainder on private septic systems, and 68% have public water service. Electric service is provided by CENTRAL MAINE POWER CO. 695 properties have identified commercial activity — restaurants, retail, professional offices, and services that give Scarborough its character.
What Scarborough Property Intelligence Means for Professionals
Insurance & Underwriting
With 12% of properties in FEMA flood zones and 51% in the coastal zone, Scarborough concentrates several major underwriting variables. Parcel-level hazard data provides the granularity that ZIP-level aggregation misses.
Insurance solutionsReal Estate & Appraisal
Scarborough's 8 property types, spanning construction from 1728 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. 12% of Scarborough 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 Scarborough property intelligence.
9,354 Scarborough 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/scarborough-me. For references or attribution, please link back to this page or neprovenance.com. Thank you, we appreciate it.