Kennebec County and Waterville City property record for 11 Silver Ter, Waterville, ME 04901
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,021 sqft · built 1909 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | Company Name on Record |
| Last Sale | $180,000 (Dec 2022) |
| Tax Bill | $2,882 (2025) |
| Deeds & Mortgages | Feb 2020 Refinance Sep 2021 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WAVL M:044 B:008 |
| Primary APN | WAVL M:044 B:008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,021 sqft Living Area |
| Gross Area | 2,086 sqft |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1909 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,988 sqft (0.39 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 3417 |
|---|---|
| Street Address | 11 SILVER TER |
| City | WATERVILLE |
| State | ME |
| Zip | 04901-5928 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 8 |
| Jurisdiction | WATERVILLE ME |
| Township / Civil Division | WATERVILLE |
| Census Block Group | 6 |
| Census Block | 6014 |
| Census Tract | 24102 |
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.
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 | Company Name on Record |
|---|---|
| Mailing Address | 24 HEATH RD, BREMEN, ME 04551-3211 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Feb 26, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance KENNEBEC SAVINGS BANK |
| Sep 1, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE |
| Sep 8, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE |
| Jan 11, 2023 | Warranty Deed, Transfer |
| Dec 6, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage KENNEBEC SAVINGS BANK |
| Apr 18, 2018 | Warranty Deed, Transfer RESIDENTIAL MTG SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 6, 2022 · Amount on Record |
| Deed Sale | Dec 6, 2022 · Amount on Record |
| Prior Sale | Apr 18, 2018 · Amount on Record |
| Deed Book / Page | 14648 / 20 |
| Prior Transfer Date | Dec 5, 2022 |
| Prior Transfer Doc | 2022029341 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 11 SILVER TER, WATERVILLE, ME 04901-5928 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 2020003999 |
|---|---|
| Date | Feb 26, 2020 |
| Book Page | 13484/307 |
| Instrument | 2020003999 |
| Name | KENNEBEC SAVINGS BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 109 Months |
| Due | Mar 1, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 11 SILVER TER, WATERVILLE, ME 04901-5928 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 2021025467 |
|---|---|
| Date | Sep 1, 2021 |
| Book Page | 14155/26 |
| Instrument | 2021025467 |
| Name | HARBORONE MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 11 SILVER TER, WATERVILLE, ME 04901-5928 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 2021026110 |
|---|---|
| Date | Sep 8, 2021 |
| Book Page | 14162/61 |
| Instrument | 2021026110 |
| Name | HARBORONE MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Recording Date | Jan 11, 2023 |
| Property Address | 11 SILVER TER, WATERVILLE, ME 04901-5928 |
| Document Number | 2023000650 |
| Book / Page | 14673 / 296 |
| Instrument Date | Jan 5, 2023 |
| Instrument | 2023000650 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 24 HEATH RD, BREMEN, ME 04551-3211 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Recording Date | Dec 6, 2022 |
| Property Address | 11 SILVER TER, WATERVILLE, ME 04901-5928 |
| Document Number | 2022029341 |
| Book / Page | 14648 / 20 |
| Instrument Date | Dec 5, 2022 |
| Instrument | 2022029341 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 24 HEATH RD, BREMEN, ME 04551-3211 |
| Document Number | 2022029342 |
|---|---|
| Date | Dec 6, 2022 |
| Instrument | 2022029342 |
| Name | KENNEBEC SAVINGS BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Recording Date | Apr 18, 2018 |
| Property Address | 11 SILVER TER, WATERVILLE, ME 04901-5928 |
| Document Number | 2018007196 |
| Book / Page | 12885 / 0168 |
| Instrument | 2018007196 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 2018007197 |
|---|---|
| Date | Apr 18, 2018 |
| Instrument | 2018007197 |
| Name | RESIDENTIAL MTG SVCS |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Apr 18, 2033 |
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 | $2,882.00 (+5.41%) | $169,500 (+23.99%) Land $32,000 Building $137,500 | |
| 2024 | $2,734.00 (+0.51%) | $136,700 (-) Land $29,400 Building $107,300 | $545,015 |
| 2023 | $2,720.00 (+29.28%) | $136,700 (+67.94%) Land $29,400 Building $107,300 | |
| 2022 | $2,104.00 | $81,400 Land $16,700 Building $64,700 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 508 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber · DSL in parts of the area | 2,000 / 2,000 |
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
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