28 Spruce St, Waterville, ME 04901 Property Records

Kennebec County and Waterville City property record for 28 Spruce St, Waterville, ME 04901

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 862 sqft · built 2003
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Jul 2025)
Tax Bill	$3,502 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WAVL M:057 B:288`

Property Details

APN / Parcel Number

Primary APN	`WAVL M:057 B:288`
Alternative APN	`2780`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	862 sqft Living Area
Gross Area	1,848 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	13,068 sqft (0.3 acres)

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Gas

Location & Zoning

Account Number	2780
Street Address	28 SPRUCE ST
City	WATERVILLE
State	ME
Zip	04901-5657
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	288
Jurisdiction	WATERVILLE ME
Township / Civil Division	WATERVILLE
Census Block Group	3
Census Block	3008
Census Tract	24101

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

Source: Kennebec County and Waterville City 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	Individual Name on Record
Mailing Address	10 LEIGHTON ST, WATERVILLE, ME 04901-6618
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2025	Warranty Deed, Transfer ROCKET MORTGAGE LLC
Sep 29, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2025 · Amount on Record
Deed Sale	Jul 16, 2025 · Amount on Record
Prior Sale	Sep 29, 2020 · Amount on Record
Deed Document Number	202514172
Deed Book / Page	15427 / 110
Transfer Doc	0000019630
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERVILLE ME
Recording Date	Jul 16, 2025
Property Address	28 SPRUCE ST, WATERVILLE, ME 04901-5657
Document Number	2025014172
Book / Page	15427 / 110
Instrument Date	Jul 15, 2025
Instrument	2025014172
Transaction Type	Transfer
Record Updated	Nov 25, 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
Address	10 LEIGHTON ST, WATERVILLE, ME 04901-6618

Mortgage

Document Number	2025014173
Date	Jul 16, 2025
Instrument	2025014173

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERVILLE ME
Recording Date	Sep 29, 2020
Property Address	28 SPRUCE ST, WATERVILLE, ME 04901-5657
Document Number	2020024677
Book / Page	13726 / 342
Instrument Date	Sep 29, 2020
Instrument	2020024677
Transaction Type	Transfer
Record Updated	Feb 3, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 OSBORNE ST, FAIRFIELD, ME 04937-1414

Mortgage

Document Number	2020024678
Date	Sep 29, 2020
Instrument	2020024678

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Kennebec County and Waterville City assessment roll, as of July 30, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,502.00 (+14.52%)	$206,000 (+34.73%) Land $20,600 Building $185,400
2024	$3,058.00 (+0.49%)	$152,900 (-) Land $15,900 Building $137,000	$224,010
2023	$3,043.00 (+22.75%)	$152,900 (+59.44%) Land $15,900 Building $137,000
2022	$2,479.00	$95,900 Land $12,000 Building $83,900

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 February 18, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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	KENNEBEC WATER DISTRICT serves 22,060 people · EPA ID ME0090750
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 371 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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