2 Gilbert St, Waterville, ME 04901 Property Records

Kennebec County and Waterville City property record for 2 Gilbert St, Waterville, ME 04901

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,000 sqft · built 1955
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$123,900 (Apr 2019)
Tax Bill	$2,961 (2025)
Deeds & Mortgages	May 2026 Mortgage Feb 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`WAVL M:032 B:108`

Property Details

APN / Parcel Number

Primary APN	`WAVL M:032 B:108`
Alternative APN	`2996`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
Gross Area	2,210 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	2996
Street Address	2 GILBERT ST
City	WATERVILLE
State	ME
Zip	04901-5014
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	ROMEO GILBERT
Legal Block	108
Jurisdiction	WATERVILLE ME
Township / Civil Division	WATERVILLE
Census Block Group	1
Census Block	1017
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

2 Gilbert St is owned and occupied by an individual who bought it in April 2019.

Source: Kennebec County and Waterville City records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	2 GILBERT ST, WATERVILLE, ME 04901-5014
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Feb 13, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 11, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 3, 2019	Warranty Deed, Transfer · FHA Mortgage BANGOR SAVINGS BANK
Sep 6, 2017	Intrafamily Transfer, Transfer KENNEBUNK SVGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2019 · Amount on File
Deed Sale	Apr 3, 2019 · Amount on File
Prior Sale	Sep 6, 2017 · Amount on File
Deed Document Number	20196004
Deed Book / Page	13179 / 195
Transfer Doc	2017021124
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERVILLE ME
Recording Date	May 4, 2026
Property Address	2 GILBERT ST, WATERVILLE, ME 04901-5014
Document Number	2026008867
Book / Page	15713 / 145
Instrument Date	Jan 23, 2026
Instrument	20268867
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 GILBERT ST, WATERVILLE, ME 04901-5014

Mortgage

Document Number	0000008867,
Date	May 4, 2026
Book Page	15713/145
Instrument	20268867

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.18%
Max Rate	-1%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERVILLE ME
Property Address	2 GILBERT ST, WATERVILLE, ME 04901-5014
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020003164
Date	Feb 13, 2020
Book Page	13475/114
Instrument	2020003164

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Mar 1, 2049

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERVILLE ME
Property Address	2 GILBERT ST, WATERVILLE, ME 04901-5014
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021003589
Date	Feb 11, 2021
Book Page	13893/84
Instrument	2021003589

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Mar 1, 2049

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERVILLE ME
Recording Date	Apr 3, 2019
Property Address	2 GILBERT ST, WATERVILLE, ME 04901-5014
Document Number	2019006004
Book / Page	13179 / 195
Instrument Date	Mar 29, 2019
Instrument	2019006004
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 35, GARDINER, ME 04345-0035

Mortgage

Document Number	2019006005
Date	Apr 3, 2019
Instrument	2019006005

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WATERVILLE ME
Recording Date	Sep 6, 2017
Property Address	2 GILBERT ST, WATERVILLE, ME 04901-5014
Document Number	2017021124
Book / Page	12711 / 0189
Instrument	2017021124
Transaction Type	Transfer
Record Updated	Feb 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017021125
Date	Sep 6, 2017
Instrument	2017021125

Lender

Name	KENNEBUNK SVGS BANK

Agreement

Amount	Amount on Record
Term	312 Months
Due	Sep 6, 2043

Tax Assessment & Valuation

The 2025 property tax bill for 2 Gilbert St was $2,961.

Source: Kennebec County and Waterville City assessment roll, as of May 21, 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	$2,961.00	$174,200 Land $27,200 Building $147,000
2024			$193,895
2023	$2,818.00 (+15.11%)	$141,600 (+49.52%) Land $20,900 Building $120,700
2022	$2,448.00	$94,700 Land $15,800 Building $78,900

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

Flood

FEMA maps place 2 Gilbert St in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 2 Gilbert St is low, with a 0.01% annual chance of 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	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 326 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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