Kennebec County and Waterville City property record for 401 Main St, Waterville, ME 04901
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,014 sqft · built 1950 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,868 (2025) |
| Deeds & Mortgages | Jun 2023 Refinance Apr 2022 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WAVL M:066 B:038 |
| Primary APN | WAVL M:066 B:038 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,014 sqft Living Area |
| Gross Area | 2,535 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,761 sqft (0.27 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1181 |
|---|---|
| Street Address | 401 MAIN ST |
| City | WATERVILLE |
| State | ME |
| Zip | 04901-4114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 38 |
| Jurisdiction | WATERVILLE ME |
| Township / Civil Division | WATERVILLE |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 24101 |
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.
401 Main St is owned and occupied by an individual.
Source: Kennebec County and Waterville City records, as of July 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 401 MAIN ST, WATERVILLE, ME 04901-4114 |
| 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 7, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Apr 6, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Jul 6, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NEW DAY FINANCIAL LLC |
| Feb 14, 2020 | Deed of Trust, Mortgage · VA Mortgage LOW VA RATES |
| May 31, 2019 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 401 MAIN ST, WATERVILLE, ME 04901-4114 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2023009548 |
|---|---|
| Date | Jun 7, 2023 |
| Book Page | 14773/192 |
| Instrument | 2023009548 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 401 MAIN ST, WATERVILLE, ME 04901-4114 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2022008014 |
|---|---|
| Date | Apr 6, 2022 |
| Book Page | 14409/119 |
| Instrument | 2022008014 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 401 MAIN ST, WATERVILLE, ME 04901-4114 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2021018340 |
|---|---|
| Date | Jul 6, 2021 |
| Book Page | 14076/200 |
| Instrument | 2021018340 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 401 MAIN ST, WATERVILLE, ME 04901-4114 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 13475/150 |
|---|---|
| Date | Feb 14, 2020 |
| Book Page | 13475/150 |
| Instrument | 2020003170 |
| Name | LOW VA RATES |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 401 MAIN ST, WATERVILLE, ME 04901-4114 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2019 |
| Name | Verified Name |
|---|
| Document Number | 13222/198 |
|---|---|
| Date | May 31, 2019 |
| Book Page | 13222/198 |
| Instrument | 2019010134 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
The 2025 property tax bill for 401 Main St was $2,868.
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 | $2,868.00 | $168,700 Land $27,000 Building $141,700 | |
| 2024 | $216,125 | ||
| 2023 | $2,625.00 (+17.4%) | $131,900 (+52.49%) Land $20,800 Building $111,100 | |
| 2022 | $2,236.00 | $86,500 Land $15,700 Building $70,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 401 Main St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 401 Main 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 95% of the US · lower than 97.3% of Maine |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 87 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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