685 Ocean Ave, Wells, ME 04090 Property Records

York County and Wells Town property record for 685 Ocean Ave, Wells, ME 04090

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,873 sqft · built 1989
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Trust Names on File
Tax Bill	$10,114 (2025)
Deeds & Mortgages	Sep 2026 Sale Jun 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`WLLS M:112 L:100`

Property Details

APN / Parcel Number

Primary APN	`WLLS M:112 L:100`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,873 sqft Living Area
Gross Area	4,269 sqft
1st Floor Area	1,378 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	4,792 sqft (0.11 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	685 OCEAN AVE
City	WELLS
State	ME
Zip	04090-3914
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Subdivision	WILLIAM MCCULLOUGH
Legal Lot Number	100
Jurisdiction	WELLS ME
Township / Civil Division	WELLS
Census Block Group	2
Census Block	2017
Census Tract	34005

Owner

685 Ocean Ave is owner-occupied and held in a trust since September 2026.

Source: York County and Wells Town records, as of September 23, 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 Trust Names on File
Mailing Address	685 OCEAN AVE, WELLS, ME 04090-3914
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Warranty Deed, Transfer
Jun 23, 2026	Deed, Transfer
Mar 22, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Feb 28, 2018	Deed of Trust, Mortgage BANK OF AMERICA NA
Mar 4, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2026
Deed Sale	Sep 4, 2026
Prior Sale	Oct 27, 2015 · Amount on File
Deed Document Number	202634114
Deed Book / Page	19988 / 140
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WELLS ME
Recording Date	Sep 4, 2026
Property Address	685 OCEAN AVE, WELLS, ME 04090-3914
Document Number	0000034114
Book / Page	19988 / 140
Instrument Date	Sep 3, 2026
Instrument	202634114
Transaction Type	Transfer
Record Updated	Sep 23, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 OCEAN AVE, WELLS, ME 04090-3914

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WELLS ME
Recording Date	Jun 23, 2026
Property Address	685 OCEAN AVE, WELLS, ME 04090-3914
Document Number	0000021578
Book / Page	19930 / 557
Instrument Date	Jun 22, 2026
Instrument	202621578
Transaction Type	Transfer
Record Updated	Sep 23, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 OCEAN AVE, WELLS, ME 04090-3914

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS ME
Property Address	685 OCEAN AVE, WELLS, ME 04090-3914
Transaction Type	Mortgage
Record Updated	Apr 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0194070387
Date	Mar 22, 2024
Book Page	19407/387
Instrument	2024008426

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS ME
Property Address	685 OCEAN AVE, WELLS, ME 04090-3914
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0176680807
Date	Feb 28, 2018
Book Page	17668/0807
Instrument	2018007937

Lender

Name	BANK OF AMERICA NA

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 28, 2048

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WELLS ME
Recording Date	Mar 4, 2022
Property Address	685 OCEAN AVE, WELLS, ME 04090-3914
Document Number	0189680715
Book / Page	18968 / 715
Instrument Date	Feb 17, 2022
Instrument	2022010283
Transaction Type	Transfer
Record Updated	Mar 21, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 OCEAN AVE, WELLS, ME 04090-3914

Tax Assessment & Valuation

The 2025 property tax bill for 685 Ocean Ave was $10,114, up 8.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Maine
County	York County
County Subdivision	Wells Town
Unified School District	Wells-Ogunquit Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,114.00 (+8.39%)	$1,565,610 (+2.01%) Land $858,550 Building $707,060
2024	$9,331.00 (+2.01%)	$1,534,720 (-) Land $858,550 Building $676,170
2023	$9,147.00 (-1.74%)	$1,534,720 (+72.45%) Land $858,550 Building $676,170	$1,639,225
2022	$9,309.00	$889,960 Land $445,100 Building $444,860

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

Flood

FEMA maps place 685 Ocean Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 280 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	345 units insured incl. 65 condo units
Nearby Flood Claims	124 (1991–2024)
Claims Outside the SFHA	9 of 124
Most Recent Claim	Mar 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jan 2024 · 66 claims Severe Storm And Flooding, Dec 2022 · 23 claims Coastal Storm, Oct 1991 · 7 claims

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 685 Ocean Ave 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 99.1% of the US · lower than 99.7% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	KENNEBUNK, KENNEBUNKPORT & WELLS WD serves 35,663 people · EPA ID ME0090760
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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