Knox County and Vinalhaven Town property record for 20 Water St, Vinalhaven, ME 04863
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $457,500 (Apr 2024) |
| Tax Bill | $3,827 (2025) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Feb 2024 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | VINA M:018 L:113 |
| Primary APN | VINA M:018 L:113 |
|---|---|
| Alternative APN |
|
| Architectural Style | Multi-Family |
|---|---|
| Lot Area | 3,049 sqft (0.07 acres) |
| Account Number | 1307 |
|---|---|
| Street Address | 20 WATER ST |
| City | VINALHAVEN |
| State | ME |
| Zip | 04863 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 113 |
| Jurisdiction | VINALHAVEN ME |
| Township / Civil Division | VINALHAVEN |
| Census Block Group | 2 |
| Census Block | 2040 |
| Census Tract | 971100 |
20 Water St is owned by two individuals who bought it in April 2024.
Source: Knox County and Vinalhaven Town records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 223 DECATUR ST, DOYLESTOWN, PA 18901-3503 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 26, 2024 | Warranty Deed, Transfer · Stand-Alone First Mortgage ANDROSCOGGIN BANK |
| Feb 20, 2024 | Deed of Trust, Mortgage · Line of Credit 1ST NATIONAL BANK |
| May 8, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance 1ST NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2024 · Amount on File |
| Deed Sale | Apr 26, 2024 · Amount on File |
| Prior Sale | Mar 28, 2008 · Amount on File |
| Deed Document Number | 20242649 |
| Deed Book / Page | 6111 / 22 |
| Transfer Doc | 03936-0052 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | VINALHAVEN ME |
| Recording Date | Apr 26, 2024 |
| Property Address | 20 WATER ST, VINALHAVEN, ME 04863 |
| Document Number | 0061110022 |
| Book / Page | 6111 / 22 |
| Instrument Date | Apr 23, 2024 |
| Instrument | 2024-2649 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 223 DECATUR ST, DOYLESTOWN, PA 18901-3503 |
| Document Number | 0020242650 |
|---|---|
| Date | Apr 26, 2024 |
| Instrument | 2024-2650 |
| Name | ANDROSCOGGIN BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VINALHAVEN ME |
| Property Address | 20 WATER ST, VINALHAVEN, ME 04863 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0060930338 |
|---|---|
| Date | Feb 20, 2024 |
| Book Page | 6093/338 |
| Instrument | 2024-1054 |
| Name | 1ST NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2044 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VINALHAVEN ME |
| Property Address | 20 WATER ST, VINALHAVEN, ME 04863 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0055470317 |
|---|---|
| Date | May 8, 2020 |
| Book Page | 5547/317 |
| Instrument | 2020-3631 |
| Name | 1ST NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
The 2025 property tax bill for 20 Water St was $3,827, up 3.9% from the year before.
Source: Knox County and Vinalhaven Town assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Knox County |
| County Subdivision | Vinalhaven Town |
| Unified School District | School Administrative District 08 (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $3,827.00 (+3.88%) | $285,600 (-) Land $32,300 Building $253,300 |
| 2024 | $3,684.00 (+56.43%) | $285,600 (+49.14%) Land $32,300 Building $253,300 |
| 2023 | $2,355.00 (+5.04%) | $191,500 (-) Land $32,300 Building $159,200 |
| 2022 | $2,242.00 | $191,500 Land $32,300 Building $159,200 |
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.
FEMA maps place 20 Water St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 2 (1997–2024) |
| Most Recent Claim | Jan 2024 · Severe Storms And Flooding |
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 risk around 20 Water 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VINALHAVEN WATER DISTRICT serves 1,053 people · EPA ID ME0091550 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 145 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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