York County and Kennebunk Town property record for 21 Surf Ln, Kennebunk, ME 04043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,930 sqft · built 1984 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,100,000 (Oct 2025) |
| Tax Bill | $13,218 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Oct 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | KENB M:092 L:025 |
| Primary APN | KENB M:092 L:025 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,930 sqft Living Area |
| Gross Area | 3,936 sqft |
| 1st Floor Area | 1,384 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,375 sqft (0.33 acres) |
| Deck Area | Deck Area |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Account Number | 5208 |
|---|---|
| Old Parcel Number | KENB M:092 L:025 |
| Street Address | 21 SURF LN |
| City | KENNEBUNK |
| State | ME |
| Zip | 04043-7663 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 8 |
| Legal Lot Number | 25 |
| Jurisdiction | KENNEBUNK ME |
| Township / Civil Division | KENNEBUNK |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 28004 |
21 Surf Ln is owned and occupied by two individuals who bought it in October 2025.
Source: York County and Kennebunk Town records, as of July 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 21 SURF LN, KENNEBUNK, ME 04043-7663 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Jun 4, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC |
| Oct 31, 2025 | Warranty Deed, Transfer CMG MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 31, 2025 · Amount on File |
| Deed Sale | Oct 31, 2025 · Amount on File |
| Prior Sale | Sep 30, 2010 · Amount on File |
| Deed Book / Page | 19775 / 692 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENNEBUNK ME |
| Recording Date | Jun 4, 2026 |
| Property Address | 21 SURF LN, KENNEBUNK, ME 04043-7663 |
| Document Number | 0199170001 |
| Book / Page | 19917 / 1 |
| Instrument Date | Jun 2, 2026 |
| Instrument | 202618692 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 21 SURF LN, KENNEBUNK, ME 04043-7663 |
| Document Number | 0000018692, |
|---|---|
| Date | Jun 4, 2026 |
| Book Page | 19917/1 |
| Instrument | 202618692 |
| Name | CMG MORTGAGE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENNEBUNK ME |
| Recording Date | Oct 31, 2025 |
| Property Address | 21 SURF LN, KENNEBUNK, ME 04043-7663 |
| Document Number | 0197750692 |
| Book / Page | 19775 / 692 |
| Instrument Date | Oct 30, 2025 |
| Instrument | 2025039706 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| 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 |
| Document Number | 2025039707 |
|---|---|
| Date | Oct 31, 2025 |
| Instrument | 2025039707 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 13 Months |
| Due | Nov 1, 2026 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.25% |
| Type Change Date | Dec 1, 2025 |
| Index | 1-Month LIBOR |
| Margin | 1 |
The 2025 property tax bill for 21 Surf Ln was $13,218, up 29.8% from the year before.
Source: York County and Kennebunk Town assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | York County |
| County Subdivision | Kennebunk Town |
| Unified School District | Regional School Unit 21 (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,218.00 (+29.84%) | $1,341,900 (+123.43%) Land $996,900 Building $345,000 | |
| 2024 | $10,180.00 (+5.6%) | $600,600 (-) Land $382,500 Building $218,100 | |
| 2023 | $9,640.00 (+9.93%) | $600,600 (-) Land $382,500 Building $218,100 | $1,546,315 |
| 2022 | $8,769.00 | $600,600 Land $382,500 Building $218,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 Surf Ln in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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 21 Surf Ln is low, with less than 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 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.
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 |
| 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.
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 |
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