Kennebec County and Waterville City property record for 4 Silver Ter, Waterville, ME 04901
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,964 sqft · built 1940 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,743 (2025) |
| Deeds & Mortgages | Jun 2023 Line of Credit Oct 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WAVL M:044 B:006 |
| Primary APN | WAVL M:044 B:006 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,964 sqft Living Area |
| Gross Area | 4,270 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,841 sqft (0.18 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 4862 |
|---|---|
| Street Address | 4 SILVER TER |
| City | WATERVILLE |
| State | ME |
| Zip | 04901-5929 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 6 |
| Jurisdiction | WATERVILLE ME |
| Township / Civil Division | WATERVILLE |
| Census Block Group | 6 |
| Census Block | 6015 |
| Census Tract | 24102 |
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.
4 Silver Ter is owned and occupied by an individual who acquired it in September 2023.
Source: Kennebec County and Waterville City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4 SILVER TER, WATERVILLE, ME 04901-5929 |
| 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 |
|---|---|
| Jun 12, 2023 | Deed of Trust, Mortgage · Line of Credit NEW DIMENSIONS FEDERAL CREDIT UNION |
| Oct 13, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Jul 25, 2017 | Deed of Trust, Mortgage NEW DIMENSIONS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 20, 2023 |
| Transfer Doc | 2023019540 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 4 SILVER TER, WATERVILLE, ME 04901-5929 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2023009956 |
|---|---|
| Date | Jun 12, 2023 |
| Book Page | 14777/235 |
| Instrument | 2023009956 |
| Name | NEW DIMENSIONS FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 4 SILVER TER, WATERVILLE, ME 04901-5929 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 13744/188 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 13744/188 |
| Instrument | 2020026240 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 4 SILVER TER, WATERVILLE, ME 04901-5929 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 2017016419 |
|---|---|
| Date | Jul 25, 2017 |
| Book Page | 12668/0051 |
| Instrument | 2017016419 |
| Name | NEW DIMENSIONS FCU |
|---|
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 4 Silver Ter was $3,743.
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 | $3,743.00 | $220,200 Land $25,600 Building $194,600 | |
| 2024 | $249,660 | ||
| 2023 | $3,522.00 (-2.89%) | $177,000 (+26.16%) Land $19,700 Building $157,300 | |
| 2022 | $3,627.00 | $140,300 Land $14,800 Building $125,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Silver Ter 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
| 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 |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 4 Silver Ter 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.
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 508 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber · DSL in parts of the area | 2,000 / 2,000 |
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
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