2 Surf Ln, Kennebunk, ME 04043 Property Records

York County and Kennebunk Town property record for 2 Surf Ln, Kennebunk, ME 04043

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,248 sqft · built 1968
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,800,000 (Jan 2024)
Tax Bill	$13,526 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Feb 2021 Refinance + 2 more
Flood Zone	Zone AE (high risk)
APN	`KENB M:092 L:047`

Property Details

APN / Parcel Number

Primary APN	`KENB M:092 L:047`
Alternative APNs	`M:092 L:047 U:000` `2532`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
Gross Area	2,767 sqft
1st Floor Area	1,248 sqft
Basement Area	1,207 sqft
Unfinished Basement	575 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Split Level
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2532
Street Address	2 SURF LN
City	KENNEBUNK
State	ME
Zip	04043-7664
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	8
Legal Subdivision	SEASIDE SHORES SEC 1
Legal Lot Number	47
Jurisdiction	KENNEBUNK ME
Township / Civil Division	KENNEBUNK
Census Block Group	2
Census Block	2040
Census Tract	28004

Owner

Source: York County and Kennebunk 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	2 SURF LN, KENNEBUNK, ME 04043-7664
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage CAMDEN NATIONAL BANK
Feb 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PEOPLES UNITED BANK
Jan 9, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage CAMDEN NATIONAL BANK
Jun 28, 2019	Warranty Deed, Transfer PEOPLESCHOICE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2024 · Amount on Record
Deed Sale	Jan 9, 2024 · Amount on Record
Prior Sale	Jun 28, 2019 · Amount on Record
Deed Document Number	2024786
Deed Book / Page	19373 / 556
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENNEBUNK ME
Property Address	2 SURF LN, KENNEBUNK, ME 04043-7664
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0198190332
Date	Jan 5, 2026
Book Page	19819/332
Instrument	2026000217

Lender

Name	CAMDEN NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Type Change Date	Feb 1, 2033
Index	Other
Margin	3

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENNEBUNK ME
Property Address	2 SURF LN, KENNEBUNK, ME 04043-7664
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0185600135
Date	Feb 16, 2021
Book Page	18560/135
Instrument	2021009184

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

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

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENNEBUNK ME
Recording Date	Jan 9, 2024
Property Address	2 SURF LN, KENNEBUNK, ME 04043-7664
Document Number	0193730556
Book / Page	19373 / 556
Instrument Date	Jan 5, 2024
Instrument	2024000786
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4121 TRAVELER RD, ROCKINGHAM, VA 22801-8323

Mortgage

Document Number	2024000787
Date	Jan 9, 2024
Instrument	2024000787

Lender

Name	CAMDEN NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENNEBUNK ME
Recording Date	Jun 28, 2019
Property Address	2 SURF LN, KENNEBUNK, ME 04043-7664
Document Number	0179820567
Book / Page	017982 / 000567
Instrument Date	Jun 26, 2019
Instrument	24016
Transaction Type	Transfer
Record Updated	Jul 23, 2019
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8 MANCHESTER DR WRENTHAM MA 020932505, WRENTHAM, MA 02093-2505

Mortgage

Document Number	179820569
Date	Jun 28, 2019
Book Page	017982/000569
Instrument	24017

Lender

Name	PEOPLESCHOICE CU
Type	Credit Union
Address	SACO, ME 04072

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: York County and Kennebunk Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	York County
County Subdivision	Kennebunk Town
Unified School District	Regional School Unit 21 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$13,526.00 (+42.35%)	$1,373,200 (+144.95%) Land $996,900 Building $376,300
2024	$9,502.00 (+5.6%)	$560,600 (-) Land $382,500 Building $178,100
2023	$8,998.00 (+9.93%)	$560,600 (-) Land $382,500 Building $178,100	$1,682,640
2022	$8,185.00	$560,600 Land $382,500 Building $178,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 184 individual policies
Nearby Flood Policies	238 units insured incl. 54 condo units
Nearby Flood Claims	74 (1996–2024)
Claims Outside the SFHA	29 of 74
Most Recent Claim	Mar 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jan 2024 · 53 claims Severe Storm And Flooding, Dec 2022 · 12 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 99.1% of the US · lower than 99.7% of Maine
Wildfire Likelihood	Under 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	KENNEBUNK, KENNEBUNKPORT & WELLS WD serves 35,663 people · EPA ID ME0090760
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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 116 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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