York County and Kennebunkport Town property record for 45 Old Cluff Rd, Kennebunkport, ME 04046
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,151 sqft · built 2016 |
| Lot Size | 9.2 acres (400,752 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $8,741 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Mar 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | KENP M:15 B:2 L:11A |
| Primary APN | KENP M:15 B:2 L:11A |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,151 sqft Living Area |
| Gross Area | 6,448 sqft |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 400,752 sqft (9.2 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1062 |
|---|---|
| Street Address | 45 OLD CLUFF RD |
| City | KENNEBUNKPORT |
| State | ME |
| Zip | 04046-5234 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | FF |
| Legal Block | 2 |
| Legal Lot Number | 11A |
| Jurisdiction | KENNEBUNKPORT ME |
| Township / Civil Division | KENNEBUNKPORT |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 27000 |
45 Old Cluff Rd is owner-occupied and held in a trust since December 2019.
Source: York County and Kennebunkport Town records, as of September 1, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 45 OLD CLUFF RD, KENNEBUNKPORT, ME 04046-5234 |
| 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.
| Date | Document |
|---|---|
| Aug 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NORTHSTAR MORTGAGE GROUP LLC |
| Mar 8, 2017 | Deed of Trust, Mortgage · ARM PEOPLES UNITED BANK |
| Nov 6, 2020 | Deed of Trust, Mortgage · Line of Credit PEOPLES UNITED BANK |
| Feb 3, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 2, 2015 |
| Deed Sale | Nov 2, 2015 |
| Deed Document Number | 201546826 |
| Deed Book / Page | 17126 / 0332 |
| Last Transfer Date | Dec 30, 2019 |
| Transfer Doc | 0181610079 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENNEBUNKPORT ME |
| Recording Date | Aug 17, 2026 |
| Property Address | 45 OLD CLUFF RD, KENNEBUNKPORT, ME 04046-5234 |
| Document Number | 0000030892 |
| Book / Page | 19974 / 87 |
| Instrument Date | Aug 11, 2026 |
| Instrument | 202630892 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000030892, |
|---|---|
| Date | Aug 17, 2026 |
| Book Page | 19974/87 |
| Instrument | 202630892 |
| Name | NORTHSTAR MORTGAGE GROUP LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENNEBUNKPORT ME |
| Property Address | 45 OLD CLUFF RD, KENNEBUNKPORT, ME 04046-5234 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0174330313 |
|---|---|
| Date | Mar 8, 2017 |
| Book Page | 17433/0313 |
| Instrument | 2017009134 |
| Name | PEOPLES UNITED BANK |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 8, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Mar 1, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENNEBUNKPORT ME |
| Property Address | 45 OLD CLUFF RD, KENNEBUNKPORT, ME 04046-5234 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0184410673 |
|---|---|
| Date | Nov 6, 2020 |
| Book Page | 18441/673 |
| Instrument | 2020056854 |
| Name | PEOPLES UNITED BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENNEBUNKPORT ME |
| Recording Date | Feb 3, 2020 |
| Property Address | 45 OLD CLUFF RD, KENNEBUNKPORT, ME 04046-5234 |
| Document Number | 0181610079 |
| Book / Page | 018161 / 000079 |
| Instrument Date | Dec 30, 2019 |
| Instrument | 5316 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 45 OLD CLUFF RD KENNEBUNKPORT ME 040465234, KENNEBUNKPORT, ME 04046-5234 |
The 2025 property tax bill for 45 Old Cluff Rd was $8,741.
Source: York County and Kennebunkport Town assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | York County |
| County Subdivision | Kennebunkport Town |
| Unified School District | Regional School Unit 21 (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $8,741.00 | $1,270,500 Land $231,100 Building $1,039,400 |
| 2023 | $7,941.00 (+4.94%) | $1,270,500 (+0.75%) Land $231,100 Building $1,039,400 |
| 2022 | $7,567.00 | $1,261,100 Land $231,100 Building $1,030,000 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 45 Old Cluff Rd in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 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 45 Old Cluff Rd is low, with 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 80% of the US · above 53% of Maine |
|---|---|
| Wildfire Likelihood | 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: FCC Broadband Data Collection, based on 16 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 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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