407 River Rd, Eliot, ME 03903 Property Records

York County and Eliot Town property record for 407 River Rd, Eliot, ME 03903

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,472 sqft · built 2004
Lot Size	0.53 acres (23,087 sqft)
Owner	Trust Name on File
Tax Bill	$12,372 (2025)
Deeds & Mortgages	Feb 2021 Refinance Dec 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`ELIO M:25 B:3 L`

Property Details

APN / Parcel Number

Primary APN	`ELIO M:25 B:3 L`
Alternative APN	`1426`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,472 sqft Living Area
Gross Area	5,581 sqft
1st Floor Area	1,457 sqft
Basement Area	1,457 sqft
Unfinished Basement	1,456 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,087 sqft (0.53 acres)
Deck Area	Deck Area
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1426
Street Address	407 RIVER RD
City	ELIOT
State	ME
Zip	03903-1363
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Block	3
Jurisdiction	ELIOT ME
Township / Civil Division	ELIOT
Census Block Group	2
Census Block	2006
Census Tract	37000

Owner

407 River Rd is owner-occupied and held in a trust since April 2009.

Source: York County and Eliot Town records, as of July 30, 2026

Owner of Record	Trust Name on File
Mailing Address	407 RIVER RD, ELIOT, ME 03903-1363
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Feb 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CHOICE MORTGAGE CORP
Dec 15, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2009
Deed Sale	Apr 16, 2009
Prior Sale	Jul 15, 2005
Deed Book / Page	15609 / 305
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELIOT ME
Property Address	407 RIVER RD, ELIOT, ME 03903-1363
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0185430872
Date	Feb 1, 2021
Book Page	18543/872
Instrument	2021006237

Lender

Name	CHOICE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELIOT ME
Property Address	407 RIVER RD, ELIOT, ME 03903-1363
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0188990127
Date	Dec 15, 2021
Book Page	18899/127
Instrument	2021071891

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jan 1, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 407 River Rd was $12,372, down 1.4% from the year before.

Source: York County and Eliot Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	York County
County Subdivision	Eliot Town
Unified School District	School Administrative District 35 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,372.00 (-1.43%)	$1,099,700 (+3.82%) Land $440,000 Building $659,700
2024	$12,552.00 (+4.05%)	$1,059,200 (+7.55%) Land $399,500 Building $659,700
2023	$12,064.00 (+1.28%)	$984,800 (+0.03%) Land $393,700 Building $591,100	$1,295,325
2022	$11,912.00	$984,500 Land $393,700 Building $590,800

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

Flood

FEMA maps place 407 River Rd in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	7 (1991–2024)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Severe Storms And Inland And Coastal Flooding, Apr 2007 · 4 claims

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

Wildfire risk around 407 River Rd 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 97% of the US · lower than 98.5% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Breezeline, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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