409 River Rd, Eliot, ME 03903 Property Records

York County and Eliot Town property record for 409 River Rd, Eliot, ME 03903

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,535 sqft · built 1910
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$303,100 (Jan 2017)
Tax Bill	$6,150 (2025)
Deeds & Mortgages	Feb 2021 Refinance Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ELIO M:25 B:4 L`

Property Details

APN / Parcel Number

Primary APN	`ELIO M:25 B:4 L`
Alternative APN	`2781`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,535 sqft Living Area
Gross Area	3,361 sqft
1st Floor Area	1,039 sqft
Basement Area	737 sqft
Unfinished Basement	737 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Colonial
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2781
Street Address	409 RIVER RD
City	ELIOT
State	ME
Zip	03903-1363
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Block	4
Jurisdiction	ELIOT ME
Township / Civil Division	ELIOT
Census Block Group	2
Census Block	2006
Census Tract	37000

Owner

409 River Rd is owned and occupied by two individuals who bought it in January 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	409 RIVER RD, ELIOT, ME 03903-1363
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Jan 20, 2017	Quit Claim Deed, Transfer · VA Mortgage RELIANCE FIRST CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2017 · Amount on File
Deed Sale	Jan 20, 2017 · Amount on File
Prior Sale	Nov 23, 2009 · Amount on File
Deed Book / Page	17408 / 25
Transfer Doc	0174080025
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELIOT ME
Property Address	409 RIVER RD, ELIOT, ME 03903-1363
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0185560735
Date	Feb 11, 2021
Book Page	18556/735
Instrument	2021008511

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

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

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELIOT ME
Recording Date	Jan 20, 2017
Property Address	409 RIVER RD, ELIOT, ME 03903-1363
Document Number	0174080025
Book / Page	017408 / 000025
Instrument Date	Dec 27, 2016
Instrument	2937
Transaction Type	Transfer
Record Updated	Feb 9, 2017
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	409 RIVER RD ELIOT ME 039031363, ELIOT, ME 03903-1363

Mortgage

Document Number	174080027
Date	Jan 20, 2017
Book Page	017408/000027
Instrument	2938

Lender

Name	RELIANCE FIRST CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 409 River Rd was $6,150, up 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	$6,150.00 (+1.42%)	$546,700 (+6.84%) Land $380,900 Building $165,800
2024	$6,064.00 (-0.85%)	$511,700 (+2.48%) Land $345,900 Building $165,800
2023	$6,116.00 (+2.72%)	$499,300 (+1.46%) Land $340,800 Building $158,500	$532,380
2022	$5,954.00	$492,100 Land $340,800 Building $151,300

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

Flood

FEMA maps place 409 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 409 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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