Kennebec County and Waterville City property record for 45 Silver St, Waterville, ME 04901
| Property Type | Office Building |
|---|---|
| Details | 2 ba · 2,463 sqft · built 1890 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Company Name on File |
| Last Sale | $229,000 (Dec 2025) |
| Tax Bill | $4,121 (2025) |
| Deeds & Mortgages | Jan 2025 Mortgage Dec 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WAVL M:044 B:150 |
| Primary APN | WAVL M:044 B:150 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,463 sqft Total Area |
| Gross Area | 4,521 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | High Rise |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 14,810 sqft (0.34 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 663 |
|---|---|
| Street Address | 45 SILVER ST |
| City | WATERVILLE |
| State | ME |
| Zip | 04901-6515 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Office Building |
| Legal Block | 150 |
| Jurisdiction | WATERVILLE ME |
| Township / Civil Division | WATERVILLE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 24102 |
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.
45 Silver St, a commercial property, is owned by a company that bought it in December 2025.
Source: Kennebec County and Waterville City records, as of May 21, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 84 EASTWOOD LN, SMITHFIELD, ME 04978-3245 |
| Owner Type | Company |
| Vesting | Company |
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 |
|---|---|
| Jan 15, 2025 | Deed of Trust, Mortgage · Commercial Mortgage MAINE STATE CREDIT UNION |
| Dec 18, 2025 | Warranty Deed, Transfer KENNEBEC SAVINGS BANK |
| Nov 1, 2024 | Quit Claim Deed, Transfer · Commercial Mortgage MAINE STATE CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 18, 2025 · Amount on File |
| Deed Sale | Dec 18, 2025 · Amount on File |
| Prior Sale | Nov 1, 2024 · Amount on File |
| Deed Document Number | 202528394 |
| Deed Book / Page | 15594 / 105 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 45 SILVER ST, WATERVILLE, ME 04901-6515 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2025000857 |
|---|---|
| Date | Jan 15, 2025 |
| Book Page | 15275/38 |
| Instrument | 2025000857 |
| Name | MAINE STATE CREDIT UNION |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Recording Date | Dec 18, 2025 |
| Property Address | 45 SILVER ST, WATERVILLE, ME 04901-6515 |
| Document Number | 2025028394 |
| Book / Page | 15594 / 105 |
| Instrument Date | Dec 15, 2025 |
| Instrument | 2025028394 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 84 EASTWOOD LN, SMITHFIELD, ME 04978-3245 |
| Document Number | 2025028396 |
|---|---|
| Date | Dec 18, 2025 |
| Instrument | 2025028396 |
| Name | KENNEBEC SAVINGS BANK |
|---|
| Amount | Amount on Record |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Recording Date | Nov 1, 2024 |
| Property Address | 45 SILVER ST, WATERVILLE, ME 04901-6515 |
| Document Number | 2024023970 |
| Book / Page | 15212 / 22 |
| Instrument Date | Oct 31, 2024 |
| Instrument | 2024023970 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 325 MAIN ST # 154, 154, WATERVILLE, ME 04901-4922 |
| Document Number | 2024023971 |
|---|---|
| Date | Nov 1, 2024 |
| Instrument | 2024023971 |
| Name | MAINE STATE CREDIT UNION |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 2024023973 |
|---|---|
| Date | Nov 1, 2024 |
| Book Page | 15212/41 |
| Instrument | 2024023973 |
| Name | BIG SKY PROPERTIES LL |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 45 Silver St was $4,121.
Source: Kennebec County and Waterville City assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Kennebec County |
| Municipality | Waterville City |
| Unified School District | Waterville (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $4,121.00 | $242,400 Land $74,100 Building $168,300 |
| 2023 | $3,861.00 (+6.07%) | $194,000 (+37.78%) Land $71,800 Building $122,200 |
| 2022 | $3,640.00 | $140,800 Land $40,800 Building $100,000 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 45 Silver 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 | 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 Silver 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 96% of the US · lower than 97.9% 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.
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 508 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber · DSL in parts of the area | 2,000 / 2,000 |
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
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