20 Ross Rd, Kennebunk, ME 04043 Property Records

York County and Kennebunk Town property record for 20 Ross Rd, Kennebunk, ME 04043

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,468 sqft · built 1975
Lot Size	0.93 acres (40,511 sqft)
Owner	2 Individual Names on Record
Last Sale	$338,400 (Jul 2018)
Tax Bill	$5,574 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Nov 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`KENB M:035 L:023`

Property Details

APN / Parcel Number

Primary APN	`KENB M:035 L:023`
Alternative APNs	`M:035 L:023 U:000` `1094`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,468 sqft Living Area
Gross Area	4,134 sqft
1st Floor Area	1,468 sqft
Basement Area	1,006 sqft
Unfinished Basement	1,006 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,511 sqft (0.93 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1094
Street Address	20 ROSS RD
City	KENNEBUNK
State	ME
Zip	04043-6530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	6
Legal Lot Number	23
Jurisdiction	KENNEBUNK ME
Township / Civil Division	KENNEBUNK
Census Block Group	3
Census Block	3000
Census Tract	28003

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	20 ROSS RD, KENNEBUNK, ME 04043-6530
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2023	Deed of Trust, Mortgage · Line of Credit EMPEOPLE CREDIT UNION
Nov 2, 2022	Deed of Trust, Mortgage · Line of Credit INFINITY FEDERAL CREDIT UNION
Jan 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CALIBER HOME LOANS INC
Aug 19, 2019	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS
Jul 2, 2018	Deed of Trust, Transfer · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2018 · Amount on Record
Deed Sale	Jul 5, 2018 · Amount on Record
Prior Sale	Sep 26, 2007
Deed Document Number	201825275
Deed Book / Page	17748 / 596
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENNEBUNK ME
Property Address	20 ROSS RD, KENNEBUNK, ME 04043-6530
Transaction Type	Mortgage
Record Updated	Sep 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0193070622
Date	Sep 7, 2023
Book Page	19307/622
Instrument	2023028061

Lender

Name	EMPEOPLE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENNEBUNK ME
Property Address	20 ROSS RD, KENNEBUNK, ME 04043-6530
Transaction Type	Mortgage
Record Updated	Nov 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0191460073
Date	Nov 2, 2022
Book Page	19146/73
Instrument	2022046770

Lender

Name	INFINITY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENNEBUNK ME
Property Address	20 ROSS RD, KENNEBUNK, ME 04043-6530
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0185410206
Date	Jan 29, 2021
Book Page	18541/206
Instrument	2021005682

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENNEBUNK ME
Property Address	20 ROSS RD, KENNEBUNK, ME 04043-6530
Document Number	0180220898
Instrument Date	Aug 19, 2019
Transaction Type	Mortgage
Record Updated	Sep 3, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20 ROSS RD KENNEBUNK ME 040436530, KENNEBUNK, ME 04043-6530

Mortgage

Document Number	0180220898
Date	Aug 19, 2019
Book Page	018022/000898
Instrument	33869

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 18, 2049

July 2018: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	KENNEBUNK ME
Property Address	20 ROSS RD, KENNEBUNK, ME 04043-6530
Document Number	0177480598
Instrument Date	Jul 2, 2018
Transaction Type	Transfer
Record Updated	Sep 5, 2018

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 ROSS RD KENNEBUNK ME 040436530, KENNEBUNK, ME 04043-6530

Mortgage

Document Number	0177480598
Date	Jul 5, 2018
Book Page	017748/000598
Instrument	25276

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2048

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	$5,574.00 (+10.77%)	$565,900 (+90.6%) Land $241,500 Building $324,400
2024	$5,032.00 (+5.6%)	$296,900 (-) Land $92,900 Building $204,000
2023	$4,765.00 (+9.92%)	$296,900 (-) Land $92,900 Building $204,000	$571,710
2022	$4,335.00	$296,900 Land $92,900 Building $204,000

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
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

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.

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 120 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	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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