28 River Locks Rd, Kennebunk, ME 04043 Property Records

York County and Kennebunk Town property record for 28 River Locks Rd, Kennebunk, ME 04043

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,192 sqft · built 1970
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,385,000 (Jan 2026)
Tax Bill	$12,953 (2025)
Deeds & Mortgages	May 2023 Refinance Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`KENB M:083 L:052`

Property Details

APN / Parcel Number

Primary APN	`KENB M:083 L:052`
Alternative APNs	`M:083 L:052 U:000` `748`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,192 sqft Living Area
Gross Area	6,348 sqft
1st Floor Area	1,516 sqft
Basement Area	1,008 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	748
Street Address	28 RIVER LOCKS RD
City	KENNEBUNK
State	ME
Zip	04043-7732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	8
Legal Lot Number	52
Jurisdiction	KENNEBUNK ME
Township / Civil Division	KENNEBUNK
Census Block Group	1
Census Block	1040
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	28 RIVER LOCKS RD, KENNEBUNK, ME 04043-7732
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 15, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance INLAND MORTGAGE CORP
Jan 16, 2026	Warranty Deed, Transfer · Conventional Mortgage KENNEBUNK SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2026 · Amount on Record
Deed Sale	Jan 16, 2026 · Amount on Record
Prior Sale	Apr 15, 2016
Deed Document Number	20261707
Deed Book / Page	19827 / 119
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENNEBUNK ME
Property Address	28 RIVER LOCKS RD, KENNEBUNK, ME 04043-7732
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0192380150
Date	May 15, 2023
Book Page	19238/150
Instrument	2023012768

Lender

Name	INLAND MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2038

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENNEBUNK ME
Recording Date	Jan 16, 2026
Property Address	28 RIVER LOCKS RD, KENNEBUNK, ME 04043-7732
Document Number	0198270119
Book / Page	19827 / 119
Instrument Date	Jan 16, 2026
Instrument	2026001707
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
Relationship	Joint Tenants

Mortgage

Document Number	2026001708
Date	Jan 16, 2026
Instrument	2026001708

Lender

Name	KENNEBUNK SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

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	$12,953.00 (+45.12%)	$1,315,000 (+149.72%) Land $505,500 Building $809,500
2024	$8,926.00 (+5.61%)	$526,600 (-) Land $194,100 Building $332,500
2023	$8,452.00 (+11.46%)	$526,600 (+1.39%) Land $194,100 Building $332,500	$823,935
2022	$7,583.00	$519,400 Land $194,100 Building $325,300

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	2 (2024)
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jan 2024 · 2 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 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	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 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Fidium Fiber, GoNetspeed.

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