4 Pray Ave, Waterville, ME 04901 Property Records

Kennebec County and Waterville City property record for 4 Pray Ave, Waterville, ME 04901

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,344 sqft · built 1960
Lot Size	0.459 acres (20,000 sqft)
Owner	Individual Name on File
Last Sale	$137,800 (Jun 2016)
Tax Bill	$4,320 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jun 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WAVL M:047 B:174`

Property Details

APN / Parcel Number

Primary APN	`WAVL M:047 B:174`
Alternative APNs	`WAVL M:47 B:174` `4404`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
Gross Area	2,706 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,000 sqft (0.459 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	4404
Old Parcel Number	WAVL M:047 B:174
Street Address	4 PRAY AVE
City	WATERVILLE
State	ME
Zip	04901-5339
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	GILMAN HTS
Legal Block	174
Jurisdiction	WATERVILLE ME
Township / Civil Division	WATERVILLE
Census Block Group	2
Census Block	2016
Census Tract	24201

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

4 Pray Ave is owned by an individual who bought it in June 2016.

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

Owner of Record	Individual Name on File
Mailing Address	104 1ST RANGEWAY, WATERVILLE, ME 04901-5254
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2026	Deed of Trust, Mortgage · Line of Credit CAPITAL LENDING
Jun 5, 2026	Deed of Trust, Mortgage · Line of Credit
Jan 11, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance SECRETARY HOUSING URBAN DEVELOPMENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2016 · Amount on File
Deed Sale	Jun 28, 2016 · Amount on File
Deed Book / Page	12335 / 81
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERVILLE ME
Recording Date	Jun 5, 2026
Property Address	4 PRAY AVE, WATERVILLE, ME 04901-5339
Document Number	0000011501
Book / Page	15746 / 314
Instrument Date	May 28, 2026
Instrument	202611501
Transaction Type	Mortgage
Record Updated	Jul 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 PRAY AVE, WATERVILLE, ME 04901-5339

Mortgage

Document Number	2026011501,
Date	Jun 5, 2026
Book Page	15746/314
Instrument	202611501

Lender

Name	CAPITAL LENDING

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERVILLE ME
Recording Date	Jun 5, 2026
Property Address	4 PRAY AVE, WATERVILLE, ME 04901-5339
Document Number	2026011501
Book / Page	15746 / 314
Instrument Date	May 28, 2026
Instrument	202611501
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 PRAY AVE, WATERVILLE, ME 04901-5339

Mortgage

Document Number	0000011501,
Date	Jun 5, 2026
Book Page	15746/314
Instrument	202611501

Lender

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Max Rate	-1%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERVILLE ME
Property Address	4 PRAY AVE, WATERVILLE, ME 04901-5339
Transaction Type	Mortgage
Record Updated	Jan 29, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024000663
Date	Jan 11, 2024
Book Page	14959/76
Instrument	2024000663

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	313 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4 Pray Ave was $4,320.

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	$4,320.00	$254,100 Land $40,500 Building $213,600
2024			$277,115
2023	$4,386.00 (+21.97%)	$220,400 (+58.45%) Land $31,100 Building $189,300
2022	$3,596.00	$139,100 Land $23,500 Building $115,600

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

Flood

FEMA maps place 4 Pray Ave in Zone X, an area of minimal flood risk.

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

The area around 4 Pray Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 437 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

Cell Coverage

5G (outdoors only) and 4G LTE

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