Kennebec County and Waterville City property record for 3 Sterling St, Waterville, ME 04901
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,355 sqft · built 1947 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,514 (2025) |
| Deeds & Mortgages | Mar 2024 Line of Credit May 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WAVL M:037 B:052 |
| Primary APN | WAVL M:037 B:052 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,355 sqft Living Area |
| Gross Area | 3,036 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,405 sqft (0.17 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1281 |
|---|---|
| Street Address | 3 STERLING ST |
| City | WATERVILLE |
| State | ME |
| Zip | 04901-5032 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 52 |
| Jurisdiction | WATERVILLE ME |
| Township / Civil Division | WATERVILLE |
| Census Block Group | 1 |
| Census Block | 1020 |
| 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 Sterling St is owned and occupied by an individual.
Source: Kennebec County and Waterville City records, as of July 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3 STERLING ST, WATERVILLE, ME 04901-5032 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Mar 1, 2024 | Deed of Trust, Mortgage · Line of Credit CONNECTED CREDIT UNION |
| May 5, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA |
| Oct 24, 2019 | Deed of Trust, Mortgage · Balloon Mortgage US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 3 STERLING ST, WATERVILLE, ME 04901-5032 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2024 |
| Name | Verified Name |
|---|
| Document Number | 2024004084 |
|---|---|
| Date | Mar 1, 2024 |
| Book Page | 14992/59 |
| Instrument | 2024004084 |
| Name | CONNECTED CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 3 STERLING ST, WATERVILLE, ME 04901-5032 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 13544/316 |
|---|---|
| Date | May 5, 2020 |
| Book Page | 13544/316 |
| Instrument | 2020009175 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 3 STERLING ST, WATERVILLE, ME 04901-5032 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 13376/254 |
|---|---|
| Date | Oct 24, 2019 |
| Book Page | 13376/254 |
| Instrument | 2019024785 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
The 2025 property tax bill for 3 Sterling St was $3,514.
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 | $3,514.00 | $206,700 Land $25,400 Building $181,300 | |
| 2024 | $236,455 | ||
| 2023 | $3,092.00 (+24.23%) | $155,400 (+61.37%) Land $19,500 Building $135,900 | |
| 2022 | $2,489.00 | $96,300 Land $14,700 Building $81,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Sterling St in Zone X, an area of minimal flood risk.
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 |
|---|---|
| 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 Sterling 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.
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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