20 Surf Ln, Kennebunk, ME 04043 Property Records

York County and Kennebunk Town property record for 20 Surf Ln, Kennebunk, ME 04043

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,471 sqft · built 1987
Lot Size	0.74 acres (32,234 sqft)
Owner	2 Individual Names on Record
Last Sale	$745,000 (Jun 2017)
Tax Bill	$19,276 (2025)
Deeds & Mortgages	Jun 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`KENB M:092 L:005`

Property Details

APN / Parcel Number

Primary APN	`KENB M:092 L:005`
Alternative APNs	`M:092 L:005 U:000` `1280`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,471 sqft Living Area
Gross Area	5,004 sqft
1st Floor Area	1,096 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	32,234 sqft (0.74 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	1280
Street Address	20 SURF LN
City	KENNEBUNK
State	ME
Zip	04043-7680
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	8
Legal Subdivision	SEABREEZE ACRES
Legal Lot Number	5
Jurisdiction	KENNEBUNK ME
Township / Civil Division	KENNEBUNK
Census Block Group	2
Census Block	2013
Census Tract	28004

Owner

Source: York County and Kennebunk Town records, as of September 28, 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	22 PHILIP DR, SPOFFORD, NH 03462-4621
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2017 · Amount on Record
Deed Sale	Jun 23, 2017 · Amount on Record
Deed Document Number	201724273
Deed Book / Page	17500 / 545
Record Updated	Oct 29, 2026

June 2017: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	KENNEBUNK ME
Recording Date	Jun 23, 2017
Property Address	20 SURF LN, KENNEBUNK, ME 04043-7680
Document Number	0175000545
Book / Page	17500 / 0545
Instrument	2017024273
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

Mortgage

Document Number	0000024275
Date	Jun 23, 2017
Instrument	000000024275

Lender

Name	JPMORGAN CHASE BANK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 23, 2047

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	$19,276.00 (+33.33%)	$1,957,000 (+129.45%) Land $1,423,300 Building $533,700
2024	$14,457.00 (+5.61%)	$852,900 (-) Land $546,500 Building $306,400
2023	$13,689.00 (+9.93%)	$852,900 (-) Land $546,500 Building $306,400	$3,125,310
2022	$12,452.00	$852,900 Land $546,500 Building $306,400

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 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 148 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 / 35