28 Spring St, Gardiner, ME 04345 Property Records

Kennebec County and Gardiner City property record for 28 Spring St, Gardiner, ME 04345

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,056 sqft · built 2021
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$291,100 (Oct 2024)
Tax Bill	$3,361 (2025)
Deeds & Mortgages	Oct 2021 Refinance Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARR M:037 B:059`

Property Details

APN / Parcel Number

Primary APN	`GARR M:037 B:059`
Alternative APNs	`M:037 L:059` `2134`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	2,208 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	2134
Street Address	28 SPRING ST
City	GARDINER
State	ME
Zip	04345-1824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	12
Legal Block	59
Jurisdiction	GARDINER ME
Township / Civil Division	GARDINER
Census Block Group	1
Census Block	1011
Census Tract	10900

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

28 Spring St is owned by two individuals who bought it in October 2024.

Source: Kennebec County and Gardiner City records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	52 HUSTON RD, GORHAM, ME 04038-2515
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

Date	Document
Oct 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance 1ST NATIONAL BANK
Jul 1, 2022	Quit Claim Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2024 · Amount on File
Deed Sale	Oct 15, 2024 · Amount on File
Prior Sale	Jul 1, 2022 · Amount on File
Deed Document Number	202422361
Deed Book / Page	15190 / 211
Transfer Doc	0000028644
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDINER ME
Property Address	28 SPRING ST, GARDINER, ME 04345-1824
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021030292
Date	Oct 18, 2021
Book Page	14215/335
Instrument	2021030292

Lender

Name	1ST NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDINER ME
Recording Date	Jul 1, 2022
Property Address	28 SPRING ST, GARDINER, ME 04345-1824
Document Number	2022015422
Book / Page	14499 / 75
Instrument Date	Jun 30, 2022
Instrument	2022015422
Transaction Type	Transfer
Record Updated	Mar 16, 2023

Transaction

Amount	Amount on Record
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
Address	23 HOLLY ST # B, B, PORTLAND, ME 04103-4111

Mortgage

Document Number	2022015423
Date	Jul 1, 2022
Instrument	2022015423

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 28 Spring St was $3,361, up 2.7% from the year before.

Source: Kennebec County and Gardiner City assessment roll, as of July 30, 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	$3,361.00 (+2.72%)	$127,800 (-) Land $21,700 Building $106,100
2024	$3,272.00 (+8.02%)	$127,800 (-) Land $21,700 Building $106,100	$267,425
2023	$3,029.00 (+6.77%)	$127,800 (-) Land $21,700 Building $106,100
2022	$2,837.00	$127,800 Land $21,700 Building $106,100

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 28 Spring St 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	5 (1979–2023)
Most Recent Claim	Dec 2023 · Severe Storm And Flooding
Claims by Event	Severe Storms & Flooding, Apr 1987 · 3 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 28 Spring St is low, with 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 80% of the US · above 53% of Maine
Wildfire Likelihood	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 286 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
Starlink Satellite	280 / 30

May also be available: Verizon.

Nearby Properties on Spring St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures