7 Spruce St, Waterville, ME 04901 Property Records

Kennebec County and Waterville City property record for 7 Spruce St, Waterville, ME 04901

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,274 sqft · built 1910
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,457 (2025)
Deeds & Mortgages	Apr 2026 Sale Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WAVL M:058 B:023`

Property Details

APN / Parcel Number

Primary APN	`WAVL M:058 B:023`
Alternative APN	`325`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,274 sqft Living Area
Gross Area	2,484 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	325
Street Address	7 SPRUCE ST
City	WATERVILLE
State	ME
Zip	04901-5656
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	23
Jurisdiction	WATERVILLE ME
Township / Civil Division	WATERVILLE
Census Block Group	3
Census Block	3007
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

7 Spruce St is owned and occupied by two individuals who acquired it in April 2026.

Source: Kennebec County and Waterville City records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7 SPRUCE ST, WATERVILLE, ME 04901-5656
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
Apr 28, 2026	Warranty Deed, Transfer
Apr 15, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Jul 10, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOAN INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 28, 2026
Transfer Doc	2026008410
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERVILLE ME
Recording Date	Apr 28, 2026
Property Address	7 SPRUCE ST, WATERVILLE, ME 04901-5656
Document Number	2026008410
Book / Page	15707 / 342
Instrument Date	Apr 28, 2026
Instrument	20268410
Transaction Type	Transfer
Record Updated	Aug 28, 2026

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	7 SPRUCE ST, WATERVILLE, ME 04901-5656
Investor	Possibly a Property Investor

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERVILLE ME
Property Address	7 SPRUCE ST, WATERVILLE, ME 04901-5656
Transaction Type	Mortgage
Record Updated	May 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021009543
Date	Apr 15, 2021
Book Page	13968/3
Instrument	2021009543

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERVILLE ME
Property Address	7 SPRUCE ST, WATERVILLE, ME 04901-5656
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	12650/0184
Date	Jul 10, 2017
Book Page	12650/0184
Instrument	2017014540

Lender

Name	QUICKEN LOAN INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 10, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 7 Spruce St was $2,457.

Source: Kennebec County and Waterville City assessment roll, as of July 30, 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	$2,457.00	$144,500 Land $17,100 Building $127,400
2024			$149,150
2023	$2,149.00 (+50.07%)	$108,000 (+94.95%) Land $13,200 Building $94,800
2022	$1,432.00	$55,400 Land $9,900 Building $45,500

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

Flood

FEMA maps place 7 Spruce St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 18, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 7 Spruce 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	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	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 371 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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