489 Cole Rd, Kennebunk, ME 04043 Property Records

York County and Kennebunk Town property record for 489 Cole Rd, Kennebunk, ME 04043

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,338 sqft · built 1988
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,967 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`KENB M:002 L:073`

Property Details

APN / Parcel Number

Primary APN	`KENB M:002 L:073`
Alternative APNs	`M:002 L:073 U:000` `1790`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,338 sqft Living Area
Gross Area	2,890 sqft
1st Floor Area	1,338 sqft
Basement Area	1,296 sqft
Unfinished Basement	260 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)
Deck Area	Deck Area
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1790
Street Address	489 COLE RD
City	KENNEBUNK
State	ME
Zip	04043-6123
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	5
Legal Lot Number	73
Jurisdiction	KENNEBUNK ME
Township / Civil Division	KENNEBUNK
Census Block Group	1
Census Block	1004
Census Tract	28001

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	489 COLE RD, KENNEBUNK, ME 04043-6123
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage EMM LOANS LLC
Jan 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORWAY SAVINGS BANK
May 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORWAY SAVINGS BANK
Oct 20, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORWAY SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENNEBUNK ME
Recording Date	Aug 3, 2026
Property Address	489 COLE RD, KENNEBUNK, ME 04043-6123
Document Number	0000028084
Book / Page	19962 / 799
Instrument Date	Jul 28, 2026
Instrument	202628084
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	489 COLE RD, KENNEBUNK, ME 04043-6123

Mortgage

Document Number	0000028084,
Date	Aug 3, 2026
Book Page	19962/799
Instrument	202628084

Lender

Name	EMM LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate	6.43%
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENNEBUNK ME
Property Address	489 COLE RD, KENNEBUNK, ME 04043-6123
Transaction Type	Mortgage
Record Updated	Feb 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0185350282
Date	Jan 25, 2021
Book Page	18535/282
Instrument	2021004727

Lender

Name	NORWAY SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENNEBUNK ME
Property Address	489 COLE RD, KENNEBUNK, ME 04043-6123
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0179590435
Date	May 30, 2019
Book Page	17959/435
Instrument	2019019015

Lender

Name	NORWAY SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2034

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENNEBUNK ME
Property Address	489 COLE RD, KENNEBUNK, ME 04043-6123
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0184180619
Date	Oct 20, 2020
Book Page	18418/619
Instrument	2020053036

Lender

Name	NORWAY SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

Source: York County and Kennebunk Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	York County
County Subdivision	Kennebunk Town
Unified School District	Regional School Unit 21 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,967.00 (+5.77%)	$707,300 (+82.01%) Land $224,100 Building $483,200
2024	$6,587.00 (+42.15%)	$388,600 (+34.6%) Land $89,800 Building $298,800
2023	$4,634.00 (+9.94%)	$288,700 (-) Land $89,800 Building $198,900	$290,605
2022	$4,215.00	$288,700 Land $89,800 Building $198,900

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

Flood

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	4 in force
Nearby Flood Claims	4 (1978–2006)
Claims Outside the SFHA	2 of 4
Most Recent Claim	May 2006 · Severe Storms And Flooding

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 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 / 35
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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