Kennebec County and Waterville City property record for 10 Gilbert St, Waterville, ME 04901
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 912 sqft · built 1957 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,873 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Apr 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | WAVL M:032 B:112 |
| Primary APN | WAVL M:032 B:112 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 912 sqft Living Area |
| Gross Area | 1,856 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,841 sqft (0.18 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 2099 |
|---|---|
| Street Address | 10 GILBERT ST |
| City | WATERVILLE |
| State | ME |
| Zip | 04901-5014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | ROMEO GILBERT |
| Legal Block | 112 |
| Jurisdiction | WATERVILLE ME |
| Township / Civil Division | WATERVILLE |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 24201 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Listed Area | Within Arnold Trail to Quebec listed 1969 · 1 contributing resources · NRIS 69000018 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
10 Gilbert St is owned and occupied by an individual.
Source: Kennebec County and Waterville City records, as of July 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10 GILBERT ST, WATERVILLE, ME 04901-5014 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 18, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 28, 2017 | Deed of Trust, Mortgage · FHA Mortgage MERRIMACK MTG CO |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 10 GILBERT ST, WATERVILLE, ME 04901-5014 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021030130 |
|---|---|
| Date | Oct 18, 2021 |
| Book Page | 14214/132 |
| Instrument | 2021030130 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 10 GILBERT ST, WATERVILLE, ME 04901-5014 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 12589/0260 |
|---|---|
| Date | Apr 28, 2017 |
| Book Page | 12589/0260 |
| Instrument | 2017008348 |
| Name | MERRIMACK MTG CO |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 12, 2047 |
The 2025 property tax bill for 10 Gilbert St was $2,873.
Source: Kennebec County and Waterville City assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Kennebec County |
| Municipality | Waterville City |
| Unified School District | Waterville (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,873.00 | $169,000 Land $25,600 Building $143,400 | |
| 2024 | $181,830 | ||
| 2023 | $2,732.00 (+14.98%) | $137,300 (+49.4%) Land $19,700 Building $117,600 | |
| 2022 | $2,376.00 | $91,900 Land $14,800 Building $77,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 Gilbert St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 10 Gilbert St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 53% of Maine |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | KENNEBEC WATER DISTRICT serves 22,060 people · EPA ID ME0090750 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2024 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 326 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Fidium Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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