106 Clay Hill Rd, Cape Neddick, ME 03902 Property Records

York County and York Town property record for 106 Clay Hill Rd, Cape Neddick, ME 03902

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,032 sqft · built 1900
Lot Size	0.51 acres (22,215 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Sep 2025)
Tax Bill	$4,000 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Oct 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:096 B:104`

Property Details

APN / Parcel Number

Primary APN	`M:096 B:104`
Alternative APNs	`YORK M:0096 B:0104` `004458` `4458`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,032 sqft Living Area
Gross Area	4,449 sqft
1st Floor Area	1,504 sqft
Attic	Attic
Attic Area	540 sqft
Basement Area	1,304 sqft
Unfinished Basement	1,304 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,215 sqft (0.51 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	4458
Street Address	106 CLAY HILL RD
City	CAPE NEDDICK
State	ME
Zip	03902-7900
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	104
Jurisdiction	YORK ME
Township / Civil Division	YORK
Census Block Group	3
Census Block	3002
Census Tract	36002

Owner

106 Clay Hill Rd is owned and occupied by two individuals who bought it in September 2025.

Source: York County and York Town records, as of May 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	106 CLAY HILL RD, CAPE NEDDICK, ME 03902-7900
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2025	Warranty Deed, Transfer · Conventional Mortgage LEADER BANK NA
Oct 28, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 9, 2017	Deed of Trust, Mortgage SANFORD INSTIT SGVS
Apr 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance KENNEBUNK SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2025 · Amount on File
Deed Sale	Sep 24, 2025 · Amount on File
Prior Sale	Oct 28, 2024 · Amount on File
Deed Book / Page	19748 / 636
Transfer Doc	0175000054
Record Updated	Sep 20, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YORK ME
Recording Date	Sep 24, 2025
Property Address	106 CLAY HILL RD, CAPE NEDDICK, ME 03902-7900
Document Number	0197480636
Book / Page	19748 / 636
Instrument Date	Sep 23, 2025
Instrument	2025034378
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	2025034379
Date	Sep 24, 2025
Instrument	2025034379

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YORK ME
Recording Date	Oct 28, 2024
Property Address	106 CLAY HILL RD, CAPE NEDDICK, ME 03902-7900
Document Number	0195400870
Book / Page	19540 / 870
Instrument Date	Oct 23, 2024
Instrument	2024036466
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 RIVER RD, STRATHAM, NH 03885-2318

Mortgage

Document Number	2024036467
Date	Oct 28, 2024
Instrument	2024036467

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK ME
Property Address	106 CLAY HILL RD, CAPE NEDDICK, ME 03902-7900
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0174330939
Date	Mar 9, 2017
Book Page	17433/0939
Instrument	2017009287

Lender

Name	SANFORD INSTIT SGVS

Agreement

Amount	Amount on Record
Term	240 Months
Due	Mar 24, 2037

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK ME
Property Address	106 CLAY HILL RD, CAPE NEDDICK, ME 03902-7900
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0182320944
Date	Apr 30, 2020
Book Page	18232/944
Instrument	2020018306

Lender

Name	KENNEBUNK SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 106 Clay Hill Rd was $4,000, up 3.1% from the year before.

Source: York County and York Town assessment roll, as of May 22, 2026

Property Jurisdictions

Type	Name
State	Maine
County	York County
County Subdivision	York Town
Unified School District	York (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,000.00 (+3.15%)	$484,800 (+5%) Land $132,600 Building $352,200
2024	$3,878.00 (+4.39%)	$461,700 (+5.03%) Land $132,600 Building $329,100
2023	$3,715.00 (+6.78%)	$439,600 (+8.04%) Land $110,500 Building $329,100	$547,865
2022	$3,479.00	$406,900 Land $110,500 Building $296,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 106 Clay Hill Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 16, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1993)
Most Recent Claim	Dec 1993 · tidal / storm surge

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

Wildfire risk around 106 Clay Hill Rd is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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