154 Oak St, Oakland, ME 04963 Property Records

Kennebec County and Oakland Town property record for 154 Oak St, Oakland, ME 04963

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,093 sqft · built 1985
Lot Size	2.52 acres (109,771 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,644 (2025)
Deeds & Mortgages	Jun 2020 Reverse Mortgage Jan 2022 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`OAKL M:025 L:095`

Property Details

APN / Parcel Number

Primary APN	`OAKL M:025 L:095`
Alternative APN	`1346`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,093 sqft Living Area
1st Floor Area	660 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Brick
Roof Material	Asphalt
Lot Area	109,771 sqft (2.52 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1346
Street Address	154 OAK ST
City	OAKLAND
State	ME
Zip	04963-5023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SUBURB
Legal Lot Number	95
Jurisdiction	OAKLAND ME
Township / Civil Division	OAKLAND
Census Block Group	1
Census Block	1002
Census Tract	25001

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 Oakland Town 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	2 Individual Names on Record
Mailing Address	154 OAK ST, OAKLAND, ME 04963-5023
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2020	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GOURP
Jan 27, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GOURP

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND ME
Property Address	154 OAK ST, OAKLAND, ME 04963-5023
Transaction Type	Mortgage
Record Updated	Dec 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020013506
Date	Jun 22, 2020
Book Page	13598/49
Instrument	2020013506

Lender

Name	AMERICAN ADVISORS GOURP
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.81%
Type Change Date	Jul 1, 2021
Index	Other

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND ME
Property Address	154 OAK ST, OAKLAND, ME 04963-5023
Transaction Type	Mortgage
Record Updated	Dec 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022002244
Date	Jan 27, 2022
Book Page	14335/275
Instrument	2022002244

Lender

Name	AMERICAN ADVISORS GOURP
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	781 Months
Due	Feb 1, 2087

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Feb 1, 2022
Index	Other

Tax Assessment & Valuation

Source: Kennebec County and Oakland Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Kennebec County
County Subdivision	Oakland Town
Unified School District	Regional School Unit 18 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,644.00 (+6.83%)	$169,300 (-) Land $30,600 Building $138,700
2024	$2,475.00 (+13.69%)	$169,300 (+11.97%) Land $30,600 Building $138,700
2023	$2,177.00 (-1.36%)	$151,200 (+17.85%) Land $30,600 Building $120,600	$981,540
2022	$2,207.00	$128,300 Land $27,800 Building $100,500

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
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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MAINE WATER COMPANY OAKLAND DIVISION private · serves 2,873 people · EPA ID ME0091190
Water Source	Purchased surface water from KENNEBEC WATER DISTRICT
Last State Inspection	Jun 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 118 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 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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