Kennebec County and Waterville City property record for 3 Franklin St, Waterville, ME 04901
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,393 sqft · built 1952 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $299,000 (Aug 2026) |
| Tax Bill | $3,528 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Nov 2024 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WAVL M:032 B:191 |
| Primary APN | WAVL M:032 B:191 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,393 sqft Living Area |
| Gross Area | 3,304 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,326 sqft (0.26 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 2287 |
|---|---|
| Street Address | 3 FRANKLIN ST |
| City | WATERVILLE |
| State | ME |
| Zip | 04901-5012 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 191 |
| Jurisdiction | WATERVILLE ME |
| Township / Civil Division | WATERVILLE |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 24201 |
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.
3 Franklin St is owned by an individual who bought it in August 2026.
Source: Kennebec County and Waterville City records, as of September 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 ARMORY RD, WATERVILLE, ME 04901-5770 |
| Owner Type | Individual |
| Vesting | Individual(s) |
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 |
|---|---|
| Aug 28, 2026 | Warranty Deed, Transfer · Conventional Mortgage BANGOR SAVINGS BANK |
| Nov 20, 2024 | Deed of Trust, Mortgage · Line of Credit KENNEBEC SAVINGS BANK |
| Nov 30, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage KENNEBEC SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 28, 2026 · Amount on File |
| Deed Sale | Aug 28, 2026 · Amount on File |
| Prior Sale | Nov 30, 2022 · Amount on File |
| Deed Document Number | 20262026020122 |
| Deed Book / Page | 15840 / 331 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Recording Date | Aug 28, 2026 |
| Property Address | 3 FRANKLIN ST, WATERVILLE, ME 04901-5012 |
| Document Number | 0000020122 |
| Book / Page | 15840 / 331 |
| Instrument Date | Aug 28, 2026 |
| Instrument | 202620122 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 ARMORY RD, WATERVILLE, ME 04901-5770 |
| Date | Aug 28, 2026 |
|---|
| Name | BANGOR SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 3 FRANKLIN ST, WATERVILLE, ME 04901-5012 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 2024025327 |
|---|---|
| Date | Nov 20, 2024 |
| Book Page | 15228/314 |
| Instrument | 2024025327 |
| Name | KENNEBEC SAVINGS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2044 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Recording Date | Nov 30, 2022 |
| Property Address | 3 FRANKLIN ST, WATERVILLE, ME 04901-5012 |
| Document Number | 2022028895 |
| Book / Page | 14642 / 258 |
| Instrument Date | Nov 28, 2022 |
| Instrument | 2022028895 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1286, BATH, ME 04530-1286 |
| Document Number | 2022028896 |
|---|---|
| Date | Nov 30, 2022 |
| Instrument | 2022028896 |
| Name | KENNEBEC SAVINGS BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 3 Franklin St was $3,528, up 34.8% from the year before.
Source: Kennebec County and Waterville City assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Kennebec County |
| Municipality | Waterville City |
| Unified School District | Waterville (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,528.00 (+34.76%) | $207,500 (+58.52%) Land $29,600 Building $177,900 | |
| 2024 | $2,618.00 (-0.87%) | $130,900 (-1.36%) Land $22,800 Building $108,100 | $199,975 |
| 2023 | $2,641.00 (-11.7%) | $132,700 (+14.69%) Land $22,800 Building $109,900 | |
| 2022 | $2,991.00 | $115,700 Land $17,100 Building $98,600 |
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 3 Franklin 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 | 1 in force |
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 3 Franklin 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 | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 326 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 | 1,000 / 1,000 |
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