116 Cottage Rd, Winthrop, ME 04364 Property Records

Kennebec County and Winthrop Town property record for 116 Cottage Rd, Winthrop, ME 04364

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,086 sqft · built 1973
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Trust Names on Record
Last Sale	$528,100 (Jun 2017)
Tax Bill	$9,501 (2025)
Deeds & Mortgages	Jan 2024 Transfer Aug 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINP M:046 L:004`

Property Details

APN / Parcel Number

Primary APN	`WINP M:046 L:004`
Alternative APN	`951`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,086 sqft Living Area
Gross Area	6,090 sqft
1st Floor Area	1,694 sqft
Basement Area	1,694 sqft
Unfinished Basement	476 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	44,867 sqft (1.03 acres)
View / Lot	Waterfront
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	951
Street Address	116 COTTAGE RD
City	WINTHROP
State	ME
Zip	04364-3932
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SL
Legal Lot Number	4
Jurisdiction	WINTHROP ME
Township / Civil Division	WINTHROP
Census Block Group	3
Census Block	3004
Census Tract	14001

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 Winthrop Town records, as of May 21, 2026

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

Owner of Record	2 Trust Names on Record
Mailing Address	297 GROVE ST, LEWISTON, ME 04240-2032
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2024	Quit Claim Deed, Transfer Quitclaim
Aug 31, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ANDROSCOGGIN BANK
Jun 13, 2017	Warranty Deed, Transfer · ARM ANDROSCOGGIN BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2017 · Amount on Record
Deed Sale	Jun 13, 2017 · Amount on Record
Deed Document Number	201712470
Deed Book / Page	12627 / 294
Last Transfer Date	Jan 10, 2024
Transfer Doc	2024001346
Record Updated	Sep 20, 2026

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINTHROP ME
Recording Date	Jan 22, 2024
Property Address	116 COTTAGE RD, WINTHROP, ME 04364-3932
Document Number	2024001346
Book / Page	14965 / 110
Instrument Date	Jan 10, 2024
Instrument	2024001346
Transaction Type	Transfer
Record Updated	Feb 5, 2024

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	297 GROVE ST, LEWISTON, ME 04240-2032

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP ME
Property Address	116 COTTAGE RD, WINTHROP, ME 04364-3932
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020021691
Date	Aug 31, 2020
Book Page	13688/246
Instrument	2020021691

Lender

Name	ANDROSCOGGIN BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINTHROP ME
Recording Date	Jun 13, 2017
Property Address	116 COTTAGE RD, WINTHROP, ME 04364-3932
Document Number	2017012470
Book / Page	12627 / 0294
Instrument	2017012470
Transaction Type	Transfer
Record Updated	Feb 2, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017012471
Date	Jun 13, 2017
Book Page	12627/0296
Instrument	2017012471

Lender

Name	ANDROSCOGGIN BK

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.63%
Type Change Date	Jul 1, 2024

Tax Assessment & Valuation

Source: Kennebec County and Winthrop Town assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Kennebec County
County Subdivision	Winthrop Town
Unified School District	Winthrop (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,501.00	$411,300 (-) Land $219,100 Building $192,200
2024	$9,501.00 (+6.11%)	$411,300 (-) Land $219,100 Building $192,200
2022	$8,954.00	$411,300 Land $219,100 Building $192,200	$500,650

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Nearby Flood Policies	3 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

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	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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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