York County and Kennebunk Town property record for 31 Surf Ln, Kennebunk, ME 04043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,209 sqft · built 1985 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Trust Name on File |
| Last Sale | $2,030,000 (Nov 2023) |
| Tax Bill | $14,171 (2025) |
| Deeds & Mortgages | Sep 2024 Mortgage Nov 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | KENB M:092 L:030 |
| Primary APN | KENB M:092 L:030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,209 sqft Living Area |
| Gross Area | 4,792 sqft |
| 1st Floor Area | 1,444 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,504 sqft (0.31 acres) |
| Deck Area | Deck Area |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Account Number | 5311 |
|---|---|
| Street Address | 31 SURF LN |
| City | KENNEBUNK |
| State | ME |
| Zip | 04043-7663 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 8 |
| Legal Lot Number | 30 |
| Jurisdiction | KENNEBUNK ME |
| Township / Civil Division | KENNEBUNK |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 28004 |
31 Surf Ln is owner-occupied and held in a trust since November 2023.
Source: York County and Kennebunk Town records, as of July 30, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 31 SURF LN, KENNEBUNK, ME 04043-7663 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 |
|---|---|
| Sep 26, 2024 | Deed of Trust, Mortgage · ARM ROCKET MORTGAGE |
| Nov 3, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE |
| Jun 3, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Oct 9, 2020 | Warranty Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 3, 2023 · Amount on File |
| Deed Sale | Nov 3, 2023 · Amount on File |
| Prior Sale | Oct 9, 2020 · Amount on File |
| Deed Document Number | 20232023035204 |
| Deed Book / Page | 19341 / 513 |
| Prior Transfer Date | Jun 3, 2021 |
| Prior Transfer Doc | 0186880269 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENNEBUNK ME |
| Property Address | 31 SURF LN, KENNEBUNK, ME 04043-7663 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0195180800 |
|---|---|
| Date | Sep 26, 2024 |
| Book Page | 19518/800 |
| Instrument | 2024032109 |
| Name | ROCKET MORTGAGE |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.05% |
| Type Change Date | Oct 1, 2031 |
| Index | Other |
| Margin | 3 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENNEBUNK ME |
| Recording Date | Nov 3, 2023 |
| Property Address | 31 SURF LN, KENNEBUNK, ME 04043-7663 |
| Document Number | 0193410513 |
| Book / Page | 19341 / 513 |
| Instrument Date | Nov 3, 2023 |
| Instrument | 2023035204 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2023 |
| 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 |
|---|---|
| Relationship | Joint Tenants |
| Address | 992 N QUANTICO ST, ARLINGTON, VA 22205-1653 |
| Document Number | 2023035205 |
|---|---|
| Date | Nov 3, 2023 |
| Instrument | 2023035205 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.88% |
| Type Change Date | Dec 1, 2033 |
| Max Rate At Change | 3% |
| Index | Other |
| Margin | 3 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENNEBUNK ME |
| Recording Date | Jun 3, 2021 |
| Property Address | 31 SURF LN, KENNEBUNK, ME 04043-7663 |
| Document Number | 0186880269 |
| Book / Page | 18688 / 269 |
| Instrument Date | Jun 3, 2021 |
| Instrument | 2021031805 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 21 HENRYS LN # KN, KN, NORWELL, MA 02061-1261 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENNEBUNK ME |
| Recording Date | Oct 9, 2020 |
| Property Address | 31 SURF LN, KENNEBUNK, ME 04043-7663 |
| Document Number | 0184080575 |
| Book / Page | 18408 / 575 |
| Instrument Date | Oct 8, 2020 |
| Instrument | 2020051120 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 21 HENRYS LN, NORWELL, MA 02061-1261 |
| Document Number | 2020051121 |
|---|---|
| Date | Oct 9, 2020 |
| Instrument | 2020051121 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 31 Surf Ln was $14,171, up 25.7% from the year before.
Source: York County and Kennebunk Town assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | York County |
| County Subdivision | Kennebunk Town |
| Unified School District | Regional School Unit 21 (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $14,171.00 (+25.74%) | $1,438,700 (+116.38%) Land $990,800 Building $447,900 | |
| 2024 | $11,270.00 (+5.72%) | $664,900 (+0.11%) Land $380,100 Building $284,800 | |
| 2023 | $10,660.00 (+9.93%) | $664,200 (-) Land $380,100 Building $284,100 | $1,850,410 |
| 2022 | $9,697.00 | $664,200 Land $380,100 Building $284,100 |
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.
FEMA maps place 31 Surf Ln 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 April 16, 2025 · 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 |
| Flood Insurance Cost | Premium on File median of 184 individual policies |
| Nearby Flood Policies | 238 units insured incl. 54 condo units |
| Nearby Flood Claims | 74 (1996–2024) |
| Claims Outside the SFHA | 29 of 74 |
| Most Recent Claim | Mar 2024 · rainfall accumulation |
| Claims by Event |
|
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 31 Surf Ln is low, with less than 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 99.1% of the US · lower than 99.7% of Maine |
|---|---|
| Wildfire Likelihood | Under 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 | KENNEBUNK, KENNEBUNKPORT & WELLS WD serves 35,663 people · EPA ID ME0090760 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2023 |
| Lead | 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 8 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.
Source: FCC Broadband Data Collection, based on 148 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 | 1,000 / 35 |
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