31 River Rd, Cape Neddick, ME 03902 Property Records

York County and York Town property record for 31 River Rd, Cape Neddick, ME 03902 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,836 sqft · built 1775
Lot Size	0.43 acres (18,730 sqft)
Owner	2 Individual Names on File
Last Sale	$726,600 (Sep 2022)
Tax Bill	$6,768 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Nov 2019 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:016 B:007`

Property Details

APN / Parcel Number

Primary APN	`M:016 B:007`
Alternative APNs	`YORK M:0016 B:0007` `004595` `4595`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,836 sqft Living Area
Gross Area	3,586 sqft
1st Floor Area	1,276 sqft
Basement Area	280 sqft
Unfinished Basement	280 sqft

Exterior

Year Built	Built 1775
Effective Year Built	Effective 1775
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	18,730 sqft (0.43 acres)
Deck Area	Deck Area
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	4595
Street Address	31 RIVER RD
City	CAPE NEDDICK
State	ME
Zip	03902-7203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	7
Jurisdiction	YORK ME
Township / Civil Division	YORK
Census Block Group	4
Census Block	4007
Census Tract	36002

Owner

Source: York County and York Town records · APN M:016 B:007

Assessment roll updated May 22, 2026 · Last verified June 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 File
Mailing Address	31 RIVER RD, CAPE NEDDICK, ME 03902-7203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 01, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage BLUE WATER MORTGAGE CORPORATION
Nov 18, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Oct 08, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 24, 2020	Correction Deed ATTORNEY ONLY
May 29, 2018	Warranty Deed, Transfer BANGOR SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 01, 2022 · Amount on Record
Deed Sale	Sep 01, 2022 · Amount on Record
Prior Sale	Oct 08, 2020
Deed Book / Page	19105 / 77
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YORK ME
Recording Date	Sep 01, 2022
Property Address	31 RIVER RD, CAPE NEDDICK, ME 03902-7203
Document Number	0191050077
Book / Page	19105 / 77
Instrument Date	Sep 01, 2022
Instrument	2022037937
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Venture
Address	31 RIVER LN, YORK, ME 03909-5237
Investor	Possibly a Property Investor

Mortgage

Document Number	2022037938
Date	Sep 01, 2022
Instrument	2022037938

Lender

Name	BLUE WATER MORTGAGE CORPORATION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK ME
Property Address	31 RIVER RD, CAPE NEDDICK, ME 03902-7203
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0181010125
Date	Nov 18, 2019
Book Page	18101/125
Instrument	2019049555

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 01, 2034

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	YORK ME
Recording Date	Oct 08, 2020
Property Address	31 RIVER RD, CAPE NEDDICK, ME 03902-7203
Document Number	0184060818
Book / Page	018406 / 000818
Instrument Date	Jul 10, 2020
Instrument	50784
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 RIVER RD CAPE NEDDICK ME 039027276, CAPE NEDDICK, ME 03902-7276

June 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	YORK ME
Recording Date	Jun 24, 2020
Property Address	31 RIVER RD, CAPE NEDDICK, ME 03902-7203
Document Number	0182830568
Book / Page	018283 / 000568
Instrument Date	Jun 23, 2020
Instrument	27025
Record Updated	Jul 15, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	41 RIVER RD CAPE NEDDICK ME 039027276, CAPE NEDDICK, ME 03902-7276

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YORK ME
Recording Date	May 29, 2018
Property Address	31 RIVER RD, CAPE NEDDICK, ME 03902-7203
Document Number	0177210626
Book / Page	17721 / 0626
Instrument	2018019368
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018019369
Date	May 29, 2018
Instrument	2018019369

Lender

Name	BANGOR SAVINGS BANK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 29, 2048

Interest

Rate	4%
Type Change Date	Jun 01, 2025

Tax Assessment & Valuation

Source: York County and York Town records · Assessment roll updated May 22, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Maine
County	York County
County Subdivision	York Town
Unified School District	York (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,768.00 (+5.55%)	$820,400 (+7.48%) Land $402,500 Building $417,900
2024	$6,412.00 (-0.59%)	$763,300 (-) Land $402,500 Building $360,800
2023	$6,450.00 (+3.83%)	$763,300 (+5.05%) Land $402,500 Building $360,800	$876,470
2022	$6,212.00	$726,600 Land $402,500 Building $324,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, York County (23031C), updated April 16, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 230310360024, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 28 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	6 (2006–2023)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Feb 2023, other causes
Claims By Storm	Severe Storms And Flooding, May 2006 · 2 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 54% of Maine
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 38 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Consolidated Communications	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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