7 Summer St, Waterville, ME 04901 Property Records

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

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,596 sqft · built 1910
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$42,500 (Jan 2020)
Tax Bill	$2,655 (2025)
Deeds & Mortgages	Feb 2007 Mortgage Dec 2025 Mortgage + 15 more
Flood Zone	Zone X (minimal risk)
APN	`WAVL M:044 B:232`

Property Details

APN / Parcel Number

Primary APN	`WAVL M:044 B:232`
Alternative APN	`4980`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	13 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,596 sqft Living Area
Gross Area	5,558 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)

Utilities, Heating & Cooling

Heating Fuel	Wood

Location & Zoning

Account Number	4980
Street Address	7 SUMMER ST
City	WATERVILLE
State	ME
Zip	04901-6445
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	232
Jurisdiction	WATERVILLE ME
Township / Civil Division	WATERVILLE
Census Block Group	3
Census Block	3005
Census Tract	24102

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 Summer St, a duplex, is owned by an individual who bought it in January 2020.

Source: Kennebec County and Waterville City records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 1612, WATERVILLE, ME 04903-1612
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
Feb 26, 2007	Deed of Trust, Mortgage CITIFINANCIAL INC
Dec 12, 2025	Deed of Trust, Mortgage KENNEBEC SAVINGS BANK
Dec 12, 2025	Deed of Trust, Mortgage KENNEBEC SAVINGS BANK
Sep 18, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) KENNEBEC SAVINGS BANK
Nov 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance KENNEBEC SAVINGS BANK
Jan 29, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage KENNEBEC FEDERAL SAVINGS & LOAN
Jul 23, 2018	Quit Claim Deed, Transfer
Mar 30, 2018	Quit Claim Deed, Transfer
Mar 30, 2018	Quit Claim Deed, Transfer
Mar 30, 2018	Quit Claim Deed, Transfer
Mar 30, 2018	Quit Claim Deed, Transfer
Mar 30, 2018	Quit Claim Deed, Transfer
Mar 30, 2018	Quit Claim Deed, Transfer
Mar 30, 2018	Quit Claim Deed, Transfer
Mar 30, 2018	Quit Claim Deed, Transfer
Mar 30, 2018	Quit Claim Deed, Transfer
Mar 30, 2018	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2020 · Amount on File
Deed Sale	Jan 29, 2020 · Amount on File
Prior Sale	Jul 23, 2018
Deed Document Number	20201894
Deed Book / Page	13463 / 150
Transfer Doc	2018015954
Record Updated	Oct 29, 2026

February 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERVILLE ME
Property Address	7 SUMMER ST, WATERVILLE, ME 04901-6445
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005013
Date	Feb 26, 2007
Book Page	09261/0046
Instrument	000000005013

Lender

Name	CITIFINANCIAL INC

Agreement

Amount	Amount on Record
Term	120 Months
Due	Feb 26, 2017

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERVILLE ME
Property Address	7 SUMMER ST, WATERVILLE, ME 04901-6445
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025027976
Date	Dec 12, 2025
Book Page	15588/1
Instrument	2025027976

Lender

Name	KENNEBEC SAVINGS BANK

Agreement

Amount	Amount on Record

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERVILLE ME
Property Address	7 SUMMER ST, WATERVILLE, ME 04901-6445
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025027978
Date	Dec 12, 2025
Book Page	15588/26
Instrument	2025027978

Lender

Name	KENNEBEC SAVINGS BANK

Agreement

Amount	Amount on Record

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERVILLE ME
Property Address	7 SUMMER ST, WATERVILLE, ME 04901-6445
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023018238
Date	Sep 18, 2023
Book Page	14864/317
Instrument	2023018238

Lender

Name	KENNEBEC SAVINGS BANK

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2038

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERVILLE ME
Property Address	7 SUMMER ST, WATERVILLE, ME 04901-6445
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021034233
Date	Nov 24, 2021
Book Page	14263/222
Instrument	2021034233

Lender

Name	KENNEBEC SAVINGS BANK

Agreement

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

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERVILLE ME
Recording Date	Jan 29, 2020
Property Address	7 SUMMER ST, WATERVILLE, ME 04901-6445
Document Number	2020001894
Book / Page	13463 / 150
Instrument Date	Jan 29, 2020
Instrument	2020001894
Transaction Type	Transfer
Record Updated	Mar 26, 2026

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1612, WATERVILLE, ME 04903-1612

Mortgage

Document Number	2020001895
Date	Jan 29, 2020
Instrument	2020001895

Lender

Name	KENNEBEC FEDERAL SAVINGS & LOAN

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.38%
Type Change Date	Feb 1, 2023
Max Rate At Change	3%
Index	Other
Margin	3

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERVILLE ME
Recording Date	Jul 23, 2018
Property Address	7 SUMMER ST, WATERVILLE, ME 04901-6445
Document Number	2018015954
Book / Page	12971 / 0312
Instrument	2018015954
Transaction Type	Transfer
Record Updated	Mar 26, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERVILLE ME
Recording Date	Mar 30, 2018
Property Address	7 SUMMER ST, WATERVILLE, ME 04901-6445
Document Number	2018006025
Book / Page	12871 / 0098
Instrument	2018006025
Transaction Type	Transfer
Record Updated	Mar 26, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERVILLE ME
Recording Date	Mar 30, 2018
Property Address	7 SUMMER ST, WATERVILLE, ME 04901-6445
Document Number	2018006030
Book / Page	12871 / 0103
Instrument	2018006030
Transaction Type	Transfer
Record Updated	Mar 26, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERVILLE ME
Recording Date	Mar 30, 2018
Property Address	7 SUMMER ST, WATERVILLE, ME 04901-6445
Document Number	2018006027
Book / Page	12871 / 0100
Instrument	2018006027
Transaction Type	Transfer
Record Updated	Mar 26, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERVILLE ME
Recording Date	Mar 30, 2018
Property Address	7 SUMMER ST, WATERVILLE, ME 04901-6445
Document Number	2018006024
Book / Page	12871 / 0097
Instrument	2018006024
Transaction Type	Transfer
Record Updated	Mar 26, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERVILLE ME
Recording Date	Mar 30, 2018
Property Address	7 SUMMER ST, WATERVILLE, ME 04901-6445
Document Number	2018006026
Book / Page	12871 / 0099
Instrument	2018006026
Transaction Type	Transfer
Record Updated	Mar 26, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERVILLE ME
Recording Date	Mar 30, 2018
Property Address	7 SUMMER ST, WATERVILLE, ME 04901-6445
Document Number	2018006032
Book / Page	12871 / 0105
Instrument	2018006032
Transaction Type	Transfer
Record Updated	Mar 26, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERVILLE ME
Recording Date	Mar 30, 2018
Property Address	7 SUMMER ST, WATERVILLE, ME 04901-6445
Document Number	2018006029
Book / Page	12871 / 0102
Instrument	2018006029
Transaction Type	Transfer
Record Updated	Mar 26, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERVILLE ME
Recording Date	Mar 30, 2018
Property Address	7 SUMMER ST, WATERVILLE, ME 04901-6445
Document Number	2018006028
Book / Page	12871 / 0101
Instrument	2018006028
Transaction Type	Transfer
Record Updated	Mar 26, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERVILLE ME
Recording Date	Mar 30, 2018
Property Address	7 SUMMER ST, WATERVILLE, ME 04901-6445
Document Number	2018006031
Book / Page	12871 / 0104
Instrument	2018006031
Transaction Type	Transfer
Record Updated	Mar 26, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERVILLE ME
Recording Date	Mar 30, 2018
Property Address	7 SUMMER ST, WATERVILLE, ME 04901-6445
Document Number	2018006023
Book / Page	12871 / 0096
Instrument	2018006023
Transaction Type	Transfer
Record Updated	Mar 26, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 7 Summer St was $2,655.

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
2025	$2,655.00	$156,200 Land $14,300 Building $141,900
2023	$2,310.00 (+46.3%)	$116,100 (+90.02%) Land $11,000 Building $105,100
2022	$1,579.00	$61,100 Land $8,300 Building $52,800

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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

Source: FEMA National Flood Hazard Layer, effective February 18, 2021 · 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	2 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 7 Summer 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 98% of the US · lower than 99% 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 247 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