2 Bernard Karfiol Way, Cape Neddick, ME 03902 Property Records

York County and York Town property record for 2 Bernard Karfiol Way, Cape Neddick, ME 03902

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,333 sqft · built 1929
Lot Size	0.59 acres (25,700 sqft)
Owner	Trust Name on Record
Last Sale	$765,000 (Aug 2018)
Tax Bill	$9,395 (2025)
Deeds & Mortgages	Jan 2021 Refinance Aug 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:001 B:007`

Property Details

APN / Parcel Number

Primary APN	`M:001 B:007`
Alternative APNs	`YORK M:0001 B:0007` `000920` `920`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,333 sqft Living Area
Gross Area	4,671 sqft
1st Floor Area	1,299 sqft
Attic	Attic
Attic Area	848 sqft
Basement Area	1,299 sqft
Unfinished Basement	1,299 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Tile
Lot Area	25,700 sqft (0.59 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	920
Street Address	2 BERNARD KARFIOL WAY
City	CAPE NEDDICK
State	ME
Zip	03902-7981
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	7
Jurisdiction	YORK ME
Township / Civil Division	YORK
Census Block Group	4
Census Block	4004
Census Tract	36002

Owner

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

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

Owner of Record	Trust Name on Record
Mailing Address	5063 GALLOWS BAY, CHRISTIANSTED, VI 00820-4526
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CMG MORTGAGE INC
Aug 29, 2018	Grant Deed, Transfer OTHER
Aug 7, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2018 · Amount on Record
Deed Sale	Aug 7, 2018 · Amount on Record
Deed Document Number	201831453
Deed Book / Page	17772 / 303
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK ME
Property Address	2 BERNARD KARFIOL WAY, CAPE NEDDICK, ME 03902-7981
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0185370560
Date	Jan 26, 2021
Book Page	18537/560
Instrument	2021005123

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

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

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	YORK ME
Recording Date	Aug 29, 2018
Property Address	2 BERNARD KARFIOL WAY, CAPE NEDDICK, ME 03902-7981
Document Number	0177890158
Book / Page	017789 / 000158
Instrument Date	Aug 17, 2018
Instrument	36162
Transaction Type	Transfer
Record Updated	Oct 10, 2018
Title Company	OTHER

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	6452 LAKE BURDEN VIEW DR WINDERMERE FL 347865643, WINDERMERE, FL 34786-5643

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YORK ME
Recording Date	Aug 7, 2018
Property Address	2 BERNARD KARFIOL WAY, CAPE NEDDICK, ME 03902-7981
Document Number	0177720303
Book / Page	17772 / 0303
Instrument	2018031453
Transaction Type	Transfer
Record Updated	Feb 6, 2021

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	0000000000
Date	Aug 7, 2018
Instrument	2018031454

Lender

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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	$9,395.00 (+8.51%)	$1,138,800 (+10.49%) Land $482,500 Building $656,300
2024	$8,658.00 (+12.75%)	$1,030,700 (+13.41%) Land $482,500 Building $548,200
2023	$7,679.00 (-0.75%)	$908,800 (+0.43%) Land $378,000 Building $530,800	$1,031,890
2022	$7,737.00	$904,900 Land $378,000 Building $526,900

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 April 16, 2025 · 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
Flood Insurance Cost	Premium on Record median of 28 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	6 (2006–2023)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Feb 2023 · other causes
Claims by Event	Severe Storms And Flooding, May 2006 · 2 claims

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

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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