45 School St, Gardiner, ME 04345 Property Records

Kennebec County and Gardiner City property record for 45 School St, Gardiner, ME 04345

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,550 sqft · built 1890
Lot Size	0.178 acres (7,736 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Sep 2023)
Tax Bill	$6,951 (2025)
Deeds & Mortgages	Jul 2025 Mortgage Feb 2024 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`GARR M:034 B:169`

Property Details

APN / Parcel Number

Primary APN	`GARR M:034 B:169`
Alternative APNs	`M:034 L:169` `328`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,550 sqft Living Area
Gross Area	6,494 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,736 sqft (0.178 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	328
Street Address	45 SCHOOL ST
City	GARDINER
State	ME
Zip	04345-2105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	12
Legal Block	169
Jurisdiction	GARDINER ME
Township / Civil Division	GARDINER
Census Block Group	1
Census Block	1006
Census Tract	11000

Historic Designation

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.

Owner

45 School St is owned and occupied by two individuals who bought it in September 2023.

Source: Kennebec County and Gardiner City records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 SCHOOL ST, GARDINER, ME 04345-2105
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
Jul 1, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE
Feb 12, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance 1ST NATIONAL BANK
Sep 6, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE
Apr 13, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Jul 7, 2017	Deed of Trust, Mortgage QUICKEN LOAN INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2023 · Amount on File
Deed Sale	Sep 6, 2023 · Amount on File
Deed Document Number	202317379
Deed Book / Page	14855 / 263
Record Updated	Sep 20, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDINER ME
Property Address	45 SCHOOL ST, GARDINER, ME 04345-2105
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025013216
Date	Jul 1, 2025
Book Page	15413/320
Instrument	2025013216

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDINER ME
Property Address	45 SCHOOL ST, GARDINER, ME 04345-2105
Transaction Type	Mortgage
Record Updated	Feb 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024002641
Date	Feb 12, 2024
Book Page	14978/157
Instrument	2024002641

Lender

Name	1ST NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	13 Months
Due	Mar 1, 2025

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GARDINER ME
Recording Date	Sep 6, 2023
Property Address	45 SCHOOL ST, GARDINER, ME 04345-2105
Document Number	2023017379
Book / Page	14855 / 263
Instrument Date	Sep 5, 2023
Instrument	2023017379
Transaction Type	Transfer
Record Updated	Sep 25, 2023
Title Company	MISC COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	33 WESTBROOK ST, S THOMASTON, ME 04858-3012

Mortgage

Document Number	2023017380
Date	Sep 6, 2023
Instrument	2023017380

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDINER ME
Property Address	45 SCHOOL ST, GARDINER, ME 04345-2105
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022008574
Date	Apr 13, 2022
Book Page	14416/123
Instrument	2022008574

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	May 1, 2037

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDINER ME
Property Address	45 SCHOOL ST, GARDINER, ME 04345-2105
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	12649/0132
Date	Jul 7, 2017
Book Page	12649/0132
Instrument	2017014468

Lender

Name	QUICKEN LOAN INC

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jul 7, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 45 School St was $6,951, up 95.4% from the year before.

Source: Kennebec County and Gardiner City assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Kennebec County
Municipality	Gardiner City
Unified School District	School Administrative District 11 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,951.00 (+95.36%)	$264,300 (+90.14%) Land $25,800 Building $238,500
2024	$3,558.00 (+8.01%)	$139,000 (-) Land $25,800 Building $113,200	$229,520
2023	$3,294.00 (-31.59%)	$139,000 (-35.92%) Land $25,800 Building $113,200
2022	$4,815.00	$216,900 Land $25,800 Building $191,100

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

Flood

FEMA maps place 45 School St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 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	61 (1978–2023)
Claims Outside the SFHA	5 of 61
Most Recent Claim	Dec 2023 · Severe Storm And Flooding
Claims by Event	Severe Storm And Flooding, Dec 2023 · 8 claims Severe Storms, Flooding, Snow Melt, And Ice Jams, May 2005 · 3 claims Severe Storms & Flooding, Apr 1987 · 18 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 45 School St 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GARDINER WATER DISTRICT serves 9,000 people · EPA ID ME0090610
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	3 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 354 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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