470 Main St, Waterville, ME 04901 Property Records

Kennebec County and Waterville City property record for 470 Main St, Waterville, ME 04901

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,119 sqft · built 1970
Lot Size	4.89 acres (213,008 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Oct 2025)
Tax Bill	$5,617 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WAVL M:078 B:020`

Property Details

APN / Parcel Number

Primary APN	`WAVL M:078 B:020`
Alternative APN	`1419`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,119 sqft Living Area
Gross Area	3,960 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	213,008 sqft (4.89 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	1419
Street Address	470 MAIN ST
City	WATERVILLE
State	ME
Zip	04901-4119
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	JOHN KOONS
Legal Block	20
Jurisdiction	WATERVILLE ME
Township / Civil Division	WATERVILLE
Census Block Group	4
Census Block	4007
Census Tract	24101

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

470 Main St is owned and occupied by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	470 MAIN ST, WATERVILLE, ME 04901-4119
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jan 29, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK
Oct 6, 2025	Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2025 · Amount on File
Deed Sale	Oct 6, 2025 · Amount on File
Prior Sale	Jun 11, 2015 · Amount on File
Deed Book / Page	15516 / 221
Transfer Doc	0000022608
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERVILLE ME
Property Address	470 MAIN ST, WATERVILLE, ME 04901-4119
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024001774
Date	Jan 29, 2024
Book Page	14968/325
Instrument	2024001774

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERVILLE ME
Recording Date	Oct 6, 2025
Property Address	470 MAIN ST, WATERVILLE, ME 04901-4119
Document Number	2025022093
Book / Page	15516 / 221
Instrument Date	Oct 3, 2025
Instrument	2025022093
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Amount	Amount 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

Mortgage

Document Number	2025022183
Date	Oct 6, 2025
Instrument	2025022183

Lender

Name	GENEVA FINANCIAL LLC

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 470 Main St was $5,617, down 2.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,617.00 (-2.14%)	$330,400 (+15.12%) Land $40,300 Building $290,100
2024	$5,740.00 (+0.51%)	$287,000 (-) Land $24,700 Building $262,300	$347,700
2023	$5,711.00 (+21.25%)	$287,000 (+57.52%) Land $24,700 Building $262,300
2022	$4,710.00	$182,200 Land $19,200 Building $163,000

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

Flood

FEMA maps place 470 Main 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	1 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

Wildfire risk around 470 Main 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	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 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 / 1,000

May also be available: Verizon.

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