22 Surf Ln, Kennebunk, ME 04043 Property Records

York County and Kennebunk Town property record for 22 Surf Ln, Kennebunk, ME 04043

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,672 sqft · built 1980
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,900,000 (Jan 2024)
Tax Bill	$19,303 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`KENB M:092 L:006`

Property Details

APN / Parcel Number

Primary APN	`KENB M:092 L:006`
Alternative APNs	`M:092 L:006 U:000` `1922`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,672 sqft Living Area
Gross Area	5,798 sqft
1st Floor Area	1,580 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	20,473 sqft (0.47 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1922
Street Address	22 SURF LN
City	KENNEBUNK
State	ME
Zip	04043-7680
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	8
Legal Lot Number	6
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 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	22 SURF LN, KENNEBUNK, ME 04043-7680
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2024 · Amount on Record
Deed Sale	Jan 4, 2024 · Amount on Record
Deed Document Number	2024318
Deed Book / Page	19371 / 409
Record Updated	Sep 20, 2026

January 2024: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	KENNEBUNK ME
Recording Date	Jan 4, 2024
Property Address	22 SURF LN, KENNEBUNK, ME 04043-7680
Document Number	0193710409
Book / Page	19371 / 409
Instrument Date	Jan 4, 2024
Instrument	2024000318
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Relationship	Joint Tenants with Right of Survivorship
Address	125 JENNIE DUGAN RD, CONCORD, MA 01742-4800

Mortgage

Document Number	2024000319
Date	Jan 4, 2024
Instrument	2024000319

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$19,303.00 (+30.33%)	$1,959,700 (+124.27%) Land $1,356,800 Building $602,900
2024	$14,811.00 (+5.61%)	$873,800 (-) Land $521,100 Building $352,700
2023	$14,024.00 (+9.93%)	$873,800 (-) Land $521,100 Building $352,700	$1,113,115
2022	$12,757.00	$873,800 Land $521,100 Building $352,700

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 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	9.0 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