York County and Kennebunk Town property record for 25 Surf Ln, Kennebunk, ME 04043
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,124 sqft · built 2024 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Trust Name on File |
| Last Sale | $1,125,000 (Dec 2023) |
| Tax Bill | $13,140 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage Feb 2025 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | KENB M:092 L:027 |
| Primary APN | KENB M:092 L:027 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,124 sqft Living Area |
| Gross Area | 5,676 sqft |
| 1st Floor Area | 1,200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,504 sqft (0.31 acres) |
| Deck Area | Deck Area |
| Heating System | Heat Pump |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1105 |
|---|---|
| Street Address | 25 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 | 27 |
| Jurisdiction | KENNEBUNK ME |
| Township / Civil Division | KENNEBUNK |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 28004 |
25 Surf Ln is held in a trust since December 2023.
Source: York County and Kennebunk Town records, as of May 22, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 100 LOVEJOY WHARF, 5K, BOSTON, MA 02114-2168 |
| Owner Type | Individual |
| Vesting | Trust |
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 |
|---|---|
| Jan 30, 2023 | Deed of Trust, Mortgage · ARM CAMDEN NATIONAL BANK |
| Feb 14, 2025 | Deed of Trust, Mortgage · Stand-Alone Refinance EMBRACE HOME LOANS INC |
| Dec 8, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage EMBRACE HOME LOANS INC |
| Feb 2, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Jun 30, 2017 | Deed of Trust, Mortgage CAMDEN NAT'L BK |
| Jul 3, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 8, 2023 · Amount on File |
| Deed Sale | Dec 8, 2023 · Amount on File |
| Prior Sale | Jul 3, 2017 · Amount on File |
| Deed Document Number | 202338812 |
| Deed Book / Page | 19358 / 865 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENNEBUNK ME |
| Property Address | 25 SURF LN, KENNEBUNK, ME 04043-7663 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0191900227 |
|---|---|
| Date | Jan 30, 2023 |
| Book Page | 19190/227 |
| Instrument | 2023002486 |
| Name | CAMDEN NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.88% |
| Type Change Date | Feb 1, 2033 |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENNEBUNK ME |
| Property Address | 25 SURF LN, KENNEBUNK, ME 04043-7663 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0196050813 |
|---|---|
| Date | Feb 14, 2025 |
| Book Page | 19605/813 |
| Instrument | 2025004588 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENNEBUNK ME |
| Recording Date | Dec 8, 2023 |
| Property Address | 25 SURF LN, KENNEBUNK, ME 04043-7663 |
| Document Number | 0193580865 |
| Book / Page | 19358 / 865 |
| Instrument Date | Dec 8, 2023 |
| Instrument | 2023038812 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 100 LOVEJOY WHARF # UT, UT, BOSTON, MA 02114-2120 |
| Document Number | 2023038813 |
|---|---|
| Date | Dec 8, 2023 |
| Instrument | 2023038813 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENNEBUNK ME |
| Recording Date | Feb 2, 2023 |
| Property Address | 25 SURF LN, KENNEBUNK, ME 04043-7663 |
| Document Number | 0191920031 |
| Book / Page | 19192 / 31 |
| Instrument Date | Feb 1, 2023 |
| Instrument | 2023002864 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7 CHUKKA WAY, FAR HILLS, NJ 07931-2477 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENNEBUNK ME |
| Property Address | 25 SURF LN, KENNEBUNK, ME 04043-7663 |
| Document Number | 0175080259 |
| Instrument Date | Jun 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 25 SURF LN KENNEBUNK ME 040437663, KENNEBUNK, ME 04043-7663 |
| Document Number | 0175080259 |
|---|---|
| Date | Jul 3, 2017 |
| Book Page | 017508/000259 |
| Instrument | 25936 |
| Name | CAMDEN NAT'L BK |
|---|---|
| Type | Bank |
| Address | ROCKPORT, ME 04856 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Jul 2, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENNEBUNK ME |
| Recording Date | Jul 3, 2017 |
| Property Address | 25 SURF LN, KENNEBUNK, ME 04043-7663 |
| Document Number | 0175080256 |
| Book / Page | 017508 / 000256 |
| Instrument Date | Jun 28, 2017 |
| Instrument | 25935 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 468 KENNEBUNK ME 040430468, KENNEBUNK, ME 04043-0468 |
The 2025 property tax bill for 25 Surf Ln was $13,140, up 43.7% from the year before.
Source: York County and Kennebunk Town assessment roll, as of May 22, 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 | $13,140.00 (+43.69%) | $1,334,000 (+147.27%) Land $990,800 Building $343,200 | |
| 2024 | $9,145.00 (+6.92%) | $539,500 (+1.24%) Land $380,100 Building $159,400 | |
| 2023 | $8,553.00 (+9.94%) | $532,900 (-) Land $380,100 Building $152,800 | $1,053,930 |
| 2022 | $7,780.00 | $532,900 Land $380,100 Building $152,800 |
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 25 Surf Ln 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 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 25 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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