218 Oak St, Oakland, ME 04963 Property Records

Kennebec County and Oakland Town property record for 218 Oak St, Oakland, ME 04963

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,640 sqft · built 1990
Lot Size	0.75 acres (32,670 sqft)
Owner	Individual Name on Record
Last Sale	$420,000 (Jan 2026)
Tax Bill	$4,455 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Mar 2023 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`OAKL M:026 L:004`

Property Details

APN / Parcel Number

Primary APN	`OAKL M:026 L:004`
Alternative APN	`621`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,640 sqft Living Area
1st Floor Area	816 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	32,670 sqft (0.75 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	621
Street Address	218 OAK ST
City	OAKLAND
State	ME
Zip	04963-5132
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL.
Legal Lot Number	4
Jurisdiction	OAKLAND ME
Township / Civil Division	OAKLAND
Census Block Group	1
Census Block	1002
Census Tract	25001

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Arnold Trail to Quebec listed 1969 · 1 contributing resources · NRIS 69000018

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Kennebec County and Oakland 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	Individual Name on Record
Mailing Address	6 CARDINAL WAY, WINSLOW, ME 04901-9459
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2021	Deed of Trust, Mortgage · ARM KENNEBEC SAVINGS BANK
Mar 13, 2023	Deed of Trust, Mortgage · Line of Credit KENNEBEC SAVINGS BANK
Nov 18, 2009	Deed of Trust, Mortgage · Commercial Mortgage KENNEBUNK SVGS BANK
Sep 21, 2012	Deed of Trust, Mortgage · Commercial Mortgage KENNEBEC FED S&L
Nov 25, 2015	Deed of Trust, Mortgage · Commercial Mortgage KENNEBUNK SVGS BANK
Nov 20, 2007	Deed of Trust, Mortgage · Commercial Mortgage TD BANKNORTH MTG GRP
Mar 9, 2005	Deed of Trust, Mortgage · Commercial Mortgage TACONNET FCU
Jan 16, 2026	Warranty Deed, Transfer · Conventional Mortgage KENNEBEC SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2026 · Amount on Record
Deed Sale	Jan 16, 2026 · Amount on Record
Deed Document Number	2026983
Deed Book / Page	15618 / 125
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND ME
Property Address	218 OAK ST, OAKLAND, ME 04963-5132
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021004069
Date	Feb 17, 2021
Book Page	13897/323
Instrument	2021004069

Lender

Name	KENNEBEC SAVINGS BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Mar 1, 2026
Index	1-Year CMT
Margin	3

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND ME
Property Address	218 OAK ST, OAKLAND, ME 04963-5132
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023004388
Date	Mar 13, 2023
Book Page	14711/291
Instrument	2023004388

Lender

Name	KENNEBEC SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND ME
Property Address	218 OAK ST, OAKLAND, ME 04963-5132
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032984
Date	Nov 18, 2009
Book Page	10275/0213
Instrument	000000032984

Lender

Name	KENNEBUNK SVGS BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	132 Months
Due	Nov 18, 2020

September 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND ME
Property Address	218 OAK ST, OAKLAND, ME 04963-5132
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025158
Date	Sep 21, 2012
Book Page	11171/0096
Instrument	000000025158

Lender

Name	KENNEBEC FED S&L

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 5, 2042

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Oct 1, 2022
Margin	3

November 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND ME
Property Address	218 OAK ST, OAKLAND, ME 04963-5132
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029593
Date	Nov 25, 2015
Book Page	12170/0001
Instrument	000000029593

Lender

Name	KENNEBUNK SVGS BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Dec 11, 2041

November 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND ME
Property Address	218 OAK ST, OAKLAND, ME 04963-5132
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032625
Date	Nov 20, 2007
Book Page	09569/0287
Instrument	000000032625

Lender

Name	TD BANKNORTH MTG GRP

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 20, 2012

March 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND ME
Property Address	218 OAK ST, OAKLAND, ME 04963-5132
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006113
Date	Mar 9, 2005
Book Page	08329/0001
Instrument	000000006113

Lender

Name	TACONNET FCU

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	96 Months
Due	Mar 9, 2013

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OAKLAND ME
Recording Date	Jan 16, 2026
Property Address	218 OAK ST, OAKLAND, ME 04963-5132
Document Number	2026000983
Book / Page	15618 / 125
Instrument Date	Jan 16, 2026
Instrument	2026000983
Transaction Type	Transfer
Record Updated	Feb 4, 2026

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
Address	6 CARDINAL WAY, WINSLOW, ME 04901-9459

Mortgage

Document Number	2026000984
Date	Jan 16, 2026
Instrument	2026000984

Lender

Name	KENNEBEC SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	289 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

Source: Kennebec County and Oakland Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Kennebec County
County Subdivision	Oakland Town
Unified School District	Regional School Unit 18 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,455.00 (+6.83%)	$285,200 (-) Land $28,600 Building $256,600
2024	$4,170.00 (+15%)	$285,200 (+13.26%) Land $28,600 Building $256,600
2023	$3,626.00 (+13.7%)	$251,800 (+35.81%) Land $28,600 Building $223,200	$372,400
2022	$3,189.00	$185,400 Land $26,000 Building $159,400

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 February 18, 2021 · 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	3 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	MAINE WATER COMPANY OAKLAND DIVISION private · serves 2,873 people · EPA ID ME0091190
Water Source	Purchased surface water from KENNEBEC WATER DISTRICT
Last State Inspection	Jun 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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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