490 Chapel Rd, Waldoboro, ME 04572 Property Records

Lincoln County and Waldoboro Town property record for 490 Chapel Rd, Waldoboro, ME 04572

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,536 sqft · built 2003
Lot Size	1.84 acres (80,150 sqft)
Owner	Individual Name on File
Last Sale	$221,000 (Jul 2018)
Tax Bill	$4,203 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Feb 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WALB M:R20 L:25B`

Property Details

APN / Parcel Number

Primary APN	`WALB M:R20 L:25B`
Alternative APN	`2221`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,536 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	80,150 sqft (1.84 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	2221
Street Address	490 CHAPEL RD
City	WALDOBORO
State	ME
Zip	04572-5802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL
Legal Lot Number	25B
Jurisdiction	WALDOBORO ME
Township / Civil Division	WALDOBORO
Census Block Group	1
Census Block	1023
Census Tract	975200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Georges River Canal listed 1970 · 1 contributing resources · NRIS 70000048

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

490 Chapel Rd is owned and occupied by an individual who bought it in July 2018.

Source: Lincoln County and Waldoboro Town records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	490 CHAPEL RD, WALDOBORO, ME 04572-5802
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
Aug 20, 2026	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Feb 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADERONE FINANCIAL
Jul 6, 2018	Warranty Deed, Transfer HARBORONE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2018 · Amount on File
Deed Sale	Jul 6, 2018 · Amount on File
Prior Sale	Oct 14, 2015 · Amount on File
Deed Document Number	201840101
Deed Book / Page	5276 / 311
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALDOBORO ME
Recording Date	Aug 20, 2026
Property Address	490 CHAPEL RD, WALDOBORO, ME 04572-5802
Document Number	0000127073
Book / Page	6382 / 144
Instrument Date	Aug 12, 2026
Instrument	2026127073
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 CHAPEL RD, WALDOBORO, ME 04572-5802

Mortgage

Document Number	0000127073,
Date	Aug 20, 2026
Book Page	6382/144
Instrument	2026127073

Lender

Name	SPRING EQ LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALDOBORO ME
Property Address	490 CHAPEL RD, WALDOBORO, ME 04572-5802
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056590190
Date	Feb 8, 2021
Book Page	5659/190
Instrument	70925

Lender

Name	LEADERONE FINANCIAL

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALDOBORO ME
Recording Date	Jul 6, 2018
Property Address	490 CHAPEL RD, WALDOBORO, ME 04572-5802
Document Number	0052760311
Book / Page	05276 / 0311
Instrument	000000040101
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040102
Date	Jul 6, 2018
Instrument	000000040102

Lender

Name	HARBORONE MORTGAGE

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 6, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 490 Chapel Rd was $4,203, down 2.5% from the year before.

Source: Lincoln County and Waldoboro Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Lincoln County
County Subdivision	Waldoboro Town
Unified School District	School Administrative District 40 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,203.00 (-2.48%)	$284,000 (+11.37%) Land $69,000 Building $215,000
2024	$4,310.00 (+8.35%)	$255,000 (-) Land $40,000 Building $215,000
2023	$3,978.00 (+11.43%)	$255,000 (-) Land $40,000 Building $215,000	$316,160
2022	$3,570.00	$255,000 Land $40,000 Building $215,000

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

Flood

FEMA maps place 490 Chapel 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	3 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 490 Chapel 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	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.

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
Starlink Satellite	280 / 30

Cell Coverage

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

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