23 River Ave, Gardiner, ME 04345 Property Records

Kennebec County and Gardiner City property record for 23 River Ave, Gardiner, ME 04345

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,202 sqft · built 1850
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$690,000 (Oct 2024)
Tax Bill	$8,242 (2025)
Deeds & Mortgages	Dec 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARR M:035 B:004`

Property Details

APN / Parcel Number

Primary APN	`GARR M:035 B:004`
Alternative APNs	`M:035 L:004` `1866`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,202 sqft Living Area
Gross Area	8,644 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1866
Street Address	23 RIVER AVE
City	GARDINER
State	ME
Zip	04345-2605
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	12
Legal Block	4
Jurisdiction	GARDINER ME
Township / Civil Division	GARDINER
Census Block Group	1
Census Block	1015
Census Tract	11000

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

23 River Ave is owned and occupied by two individuals who bought it in October 2024.

Source: Kennebec County and Gardiner City records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	23 RIVER AVE, GARDINER, ME 04345-2605
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2024 · Amount on File
Deed Sale	Oct 23, 2024 · Amount on File
Prior Sale	Jun 2, 2014
Deed Document Number	202423228
Deed Book / Page	15201 / 341
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDINER ME
Property Address	23 RIVER AVE, GARDINER, ME 04345-2605
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025028584
Date	Dec 22, 2025
Book Page	15596/55
Instrument	2025028584

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 23 River Ave was $8,242, up 2.7% from the year before.

Source: Kennebec County and Gardiner City assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Kennebec County
Municipality	Gardiner City
Unified School District	School Administrative District 11 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,242.00 (+2.73%)	$313,400 (-) Land $31,400 Building $282,000
2024	$8,023.00 (+8.01%)	$313,400 (-) Land $31,400 Building $282,000	$639,920
2023	$7,428.00	$313,400 Land $31,400 Building $282,000

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

FEMA maps place 23 River Ave 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 February 18, 2021 · 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 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	61 (1978–2023)
Claims Outside the SFHA	5 of 61
Most Recent Claim	Dec 2023 · Severe Storm And Flooding
Claims by Event	Severe Storm And Flooding, Dec 2023 · 8 claims Severe Storms, Flooding, Snow Melt, And Ice Jams, May 2005 · 3 claims Severe Storms & Flooding, Apr 1987 · 18 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

Wildfire risk around 23 River Ave 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 97% of the US · lower than 98.5% 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	GARDINER WATER DISTRICT serves 9,000 people · EPA ID ME0090610
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	3 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 72 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20