Kennebec County and Waterville City property record for 40 Silvermount St, Waterville, ME 04901
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,233 sqft · built 1914 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Nov 2025) |
| Tax Bill | $3,004 (2025) |
| Deeds & Mortgages | Dec 2022 Mortgage Aug 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WAVL M:038 B:199 |
| Primary APN | WAVL M:038 B:199 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 3 Stories |
| Building Area | 2,233 sqft Living Area |
| Gross Area | 4,110 sqft |
| Year Built | Built 1914 |
|---|---|
| Effective Year Built | Effective 1914 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 8,712 sqft (0.2 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 3438 |
|---|---|
| Street Address | 40 SILVERMOUNT ST |
| City | WATERVILLE |
| State | ME |
| Zip | 04901-5819 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Subdivision | WATERVILLE LOAN & BLDG ASSOCIA |
| Legal Block | 199 |
| Jurisdiction | WATERVILLE ME |
| Township / Civil Division | WATERVILLE |
| Census Block Group | 1 |
| Census Block | 1005 |
| 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.
40 Silvermount St, a duplex, is owned and occupied by two individuals who bought it in November 2025.
Source: Kennebec County and Waterville City records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 40 SILVERMOUNT ST, WATERVILLE, ME 04901-5819 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Dec 12, 2022 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) SECRETARY HOUSING URBAN DEVELOPMENT |
| Aug 19, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 18, 2025 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 18, 2025 · Amount on File |
| Deed Sale | Nov 18, 2025 · Amount on File |
| Prior Sale | Mar 5, 2025 · Amount on File |
| Deed Book / Page | 15562 / 215 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 40 SILVERMOUNT ST, WATERVILLE, ME 04901-5819 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2025 |
| Name | Verified Name |
|---|
| Document Number | 2022029648 |
|---|---|
| Date | Dec 12, 2022 |
| Book Page | 14651/166 |
| Instrument | 2022029648 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Jan 1, 2063 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 40 SILVERMOUNT ST, WATERVILLE, ME 04901-5819 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2025 |
| Name | Verified Name |
|---|
| Document Number | 2025017786 |
|---|---|
| Date | Aug 19, 2025 |
| Book Page | 15464/199 |
| Instrument | 2025017786 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Recording Date | Nov 18, 2025 |
| Property Address | 40 SILVERMOUNT ST, WATERVILLE, ME 04901-5819 |
| Document Number | 2025026060 |
| Book / Page | 15562 / 215 |
| Instrument Date | Nov 14, 2025 |
| Instrument | 2025026060 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2025 |
| 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 |
| Document Number | 2025026061 |
|---|---|
| Date | Nov 18, 2025 |
| Instrument | 2025026061 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
The 2025 property tax bill for 40 Silvermount St was $3,004.
Source: Kennebec County and Waterville City assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Kennebec County |
| Municipality | Waterville City |
| Unified School District | Waterville (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $3,004.00 | $176,700 Land $28,500 Building $148,200 |
| 2023 | $2,774.00 (+47.24%) | $139,400 (+91.22%) Land $19,900 Building $119,500 |
| 2022 | $1,884.00 | $72,900 Land $15,000 Building $57,900 |
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 40 Silvermount St 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 risk around 40 Silvermount St 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 93% of the US · lower than 93% 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 | 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 330 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Fidium Fiber Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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