11 Cool St, Waterville, ME 04901 Property Records

Kennebec County and Waterville City property record for 11 Cool St, Waterville, ME 04901

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,703 sqft · built 1900
Lot Size	0.52 acres (22,651 sqft)
Owner	Individual Name on Record
Last Sale	$143,100 (May 2012)
Tax Bill	$3,703 (2025)
Deeds & Mortgages	Aug 2022 Refinance Jan 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`WAVL M:043 B:160`

Property Details

APN / Parcel Number

Primary APN	`WAVL M:043 B:160`
Alternative APN	`1723`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,703 sqft Living Area
Gross Area	3,628 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,651 sqft (0.52 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1723
Street Address	11 COOL ST
City	WATERVILLE
State	ME
Zip	04901-5221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	160
Jurisdiction	WATERVILLE ME
Township / Civil Division	WATERVILLE
Census Block Group	2
Census Block	2033
Census Tract	24201

Historic Designation

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.

Owner

Source: Kennebec County and Waterville City records, as of July 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	11 COOL ST, WATERVILLE, ME 04901-5221
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC
Jan 31, 2017	Deed of Trust, Mortgage BANGOR SAVINGS BANK
Feb 2, 2018	Deed of Trust, Mortgage BANGOR SAVINGS BANK
Sep 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Nov 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MISSION LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2012 · Amount on Record
Deed Sale	May 16, 2012 · Amount on Record
Deed Document Number	201211282
Deed Book / Page	11037 / 235
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERVILLE ME
Property Address	11 COOL ST, WATERVILLE, ME 04901-5221
Transaction Type	Mortgage
Record Updated	Sep 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022021366
Date	Aug 30, 2022
Book Page	14559/270
Instrument	2022021366

Lender

Name	FIGURE LENDING LCC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERVILLE ME
Property Address	11 COOL ST, WATERVILLE, ME 04901-5221
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017002005
Date	Jan 31, 2017
Book Page	12527/0240
Instrument	2017002005

Lender

Name	BANGOR SAVINGS BANK

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Feb 17, 2047

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERVILLE ME
Property Address	11 COOL ST, WATERVILLE, ME 04901-5221
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018002177
Date	Feb 2, 2018
Book Page	12834/0342
Instrument	2018002177

Lender

Name	BANGOR SAVINGS BANK

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Feb 16, 2043

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERVILLE ME
Property Address	11 COOL ST, WATERVILLE, ME 04901-5221
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020022376
Date	Sep 8, 2020
Book Page	13697/294
Instrument	2020022376

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERVILLE ME
Property Address	11 COOL ST, WATERVILLE, ME 04901-5221
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021033771
Date	Nov 19, 2021
Book Page	14256/245
Instrument	2021033771

Lender

Name	MISSION LOANS LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

Source: Kennebec County and Waterville City assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Kennebec County
Municipality	Waterville City
Unified School District	Waterville (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,703.00 (+17.85%)	$217,800 (+37.94%) Land $31,900 Building $185,900
2024			$269,800
2023	$3,142.00 (-2.84%)	$157,900 (+26.22%) Land $24,500 Building $133,400
2022	$3,234.00	$125,100 Land $18,500 Building $106,600

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

Flood

Source: FEMA National Flood Hazard Layer, effective February 18, 2021

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.7% of Maine
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 330 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Fidium Fiber Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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