2 Lorraine Dr, Cape Neddick, ME 03902 Property Records

York County and York Town property record for 2 Lorraine Dr, Cape Neddick, ME 03902

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,969 sqft · built 1985
Lot Size	0.51 acres (22,215 sqft)
Owner	2 Trust Names on Record
Tax Bill	$7,132 (2025)
Deeds & Mortgages	Dec 2018 Mortgage Dec 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M:097 B:041`

Property Details

APN / Parcel Number

Primary APN	`M:097 B:041`
Alternative APNs	`YORK M:0097 B:0041` `002576` `2576`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,969 sqft Living Area
Gross Area	4,071 sqft
1st Floor Area	1,276 sqft
Basement Area	660 sqft
Unfinished Basement	660 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,215 sqft (0.51 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	2576
Street Address	2 LORRAINE DR
City	CAPE NEDDICK
State	ME
Zip	03902-7268
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	41
Jurisdiction	YORK ME
Township / Civil Division	YORK
Census Block Group	4
Census Block	4007
Census Tract	36002

Owner

Source: York County and York 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 Trust Names on Record
Mailing Address	PO BOX 177, CAPE NEDDICK, ME 03902-0177
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2018	Deed of Trust, Mortgage · Balloon Mortgage SANFORD INSTITUTION FOR SAVINGS
Dec 11, 2020	Deed of Trust, Mortgage · Line of Credit KENNEBUNK SAVINGS BANK

Assessor's Deed Record

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

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK ME
Property Address	2 LORRAINE DR, CAPE NEDDICK, ME 03902-7268
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0178720125
Date	Dec 31, 2018
Book Page	17872/125
Instrument	2018054376

Lender

Name	SANFORD INSTITUTION FOR SAVINGS
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK ME
Property Address	2 LORRAINE DR, CAPE NEDDICK, ME 03902-7268
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0184840252
Date	Dec 11, 2020
Book Page	18484/252
Instrument	2020063945

Lender

Name	KENNEBUNK SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2046

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: York County and York Town assessment roll, as of July 30, 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	$7,132.00 (+6.67%)	$864,500 (+8.62%) Land $410,300 Building $454,200
2024	$6,686.00 (-0.58%)	$795,900 (-) Land $410,300 Building $385,600
2023	$6,725.00 (+6.11%)	$795,900 (+7.37%) Land $410,300 Building $385,600	$990,470
2022	$6,338.00	$741,300 Land $385,300 Building $356,000

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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	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	YORK WATER DISTRICT serves 13,675 people · EPA ID ME0091680
Water Source	Surface water
Last State Inspection	Sep 2023
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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