York County and Eliot Town property record for 581 Main St, Eliot, ME 03903
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,957 sqft · built 1927 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $340,300 (Feb 2018) |
| Tax Bill | $5,082 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit Jun 2021 Refinance + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | ELIO M:4 B:41 L |
| Primary APN | ELIO M:4 B:41 L |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,957 sqft Living Area |
| Gross Area | 3,744 sqft |
| 1st Floor Area | 1,144 sqft |
| Basement Area | 1,144 sqft |
| Unfinished Basement | 1,144 sqft |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,166 sqft (0.44 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 1313 |
|---|---|
| Street Address | 581 MAIN ST |
| City | ELIOT |
| State | ME |
| Zip | 03903-2294 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VD |
| Legal Block | 41 |
| Jurisdiction | ELIOT ME |
| Township / Civil Division | ELIOT |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 37000 |
581 Main St is owned and occupied by two individuals who bought it in February 2018.
Source: York County and Eliot Town records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 581 MAIN ST, ELIOT, ME 03903-2294 |
| 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.
| Date | Document |
|---|---|
| Oct 2, 2026 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS BANK AND TRUST COMPANY |
| Jun 11, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC |
| Feb 12, 2018 | Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 12, 2018 · Amount on File |
| Deed Sale | Feb 12, 2018 · Amount on File |
| Prior Sale | Dec 1, 2015 · Amount on File |
| Deed Document Number | 20185687 |
| Deed Book / Page | 17659 / 643 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELIOT ME |
| Recording Date | Oct 2, 2026 |
| Property Address | 581 MAIN ST, ELIOT, ME 03903-2294 |
| Document Number | 0000037936 |
| Book / Page | 20006 / 876 |
| Instrument Date | Sep 17, 2026 |
| Instrument | 202637936 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2026 |
| Name | Verified Name |
|---|---|
| Address | 581 MAIN ST, ELIOT, ME 03903-2294 |
| Document Number | 0000037936, |
|---|---|
| Date | Oct 2, 2026 |
| Book Page | 20006/876 |
| Instrument | 202637936 |
| Name | MANUFACTURERS BANK AND TRUST COMPANY |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELIOT ME |
| Property Address | 581 MAIN ST, ELIOT, ME 03903-2294 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0186970044 |
|---|---|
| Date | Jun 11, 2021 |
| Book Page | 18697/44 |
| Instrument | 2021033478 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ELIOT ME |
| Recording Date | Feb 12, 2018 |
| Property Address | 581 MAIN ST, ELIOT, ME 03903-2294 |
| Document Number | 0176590643 |
| Book / Page | 017659 / 000643 |
| Instrument Date | Jan 26, 2018 |
| Instrument | 5687 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 120 SHEFFIELD RD PORTSMOUTH NH 038014838, PORTSMOUTH, NH 03801-4838 |
| Document Number | 176590645 |
|---|---|
| Date | Feb 12, 2018 |
| Book Page | 017659/000645 |
| Instrument | 5688 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 11, 2048 |
The 2025 property tax bill for 581 Main St was $5,082, down 1.3% from the year before.
Source: York County and Eliot Town assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | York County |
| County Subdivision | Eliot Town |
| Unified School District | School Administrative District 35 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,082.00 (-1.3%) | $451,700 (+3.96%) Land $190,700 Building $261,000 | |
| 2024 | $5,149.00 (+3.56%) | $434,500 (+7.05%) Land $173,500 Building $261,000 | |
| 2023 | $4,972.00 (+3.86%) | $405,900 (+2.6%) Land $165,500 Building $240,400 | $581,875 |
| 2022 | $4,787.00 | $395,600 Land $165,500 Building $230,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 581 Main St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective April 16, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | Sep 1979 · rainfall accumulation |
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 581 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 | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | KITTERY WATER DISTRICT serves 14,478 people · EPA ID ME0090790 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2024 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 201 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber | 2,000 / 2,000 |
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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