74 River Rd, Cape Neddick, ME 03902 Property Records

York County and York Town property record for 74 River Rd, Cape Neddick, ME 03902

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,473 sqft · built 1890
Lot Size	2.13 acres (92,783 sqft)
Owner	Company Name on Record
Last Sale	$333,800 (Jul 2018)
Tax Bill	$9,603 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:097 B:040`

Property Details

APN / Parcel Number

Primary APN	`M:097 B:040`
Alternative APNs	`YORK M:0097 B:0040` `004143` `4143`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,473 sqft Living Area
Gross Area	7,254 sqft
1st Floor Area	1,554 sqft
Attic	Attic
Attic Area	909 sqft
Basement Area	909 sqft
Unfinished Basement	909 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	92,783 sqft (2.13 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	4143
Street Address	74 RIVER RD
City	CAPE NEDDICK
State	ME
Zip	03902-7287
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	40
Jurisdiction	YORK ME
Township / Civil Division	YORK
Census Block Group	3
Census Block	3000
Census Tract	36004

Owner

Source: York County and York Town records, as of May 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	442 M ST NW, 6, WASHINGTON, DC 20001-4655
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2026	Deed of Trust, Mortgage · Line of Credit KENNEBUNK SAVINGS BANK
Jul 20, 2018	Warranty Deed, Transfer SACO & BIDDEFORD SAVS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2018 · Amount on Record
Deed Sale	Jul 20, 2018 · Amount on Record
Prior Sale	Dec 1, 2008 · Amount on Record
Deed Document Number	201827770
Deed Book / Page	17758 / 209
Transfer Doc	15527-0060
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK ME
Property Address	74 RIVER RD, CAPE NEDDICK, ME 03902-7287
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0198180401
Date	Jan 2, 2026
Book Page	19818/401
Instrument	2026000071

Lender

Name	KENNEBUNK SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YORK ME
Recording Date	Jul 20, 2018
Property Address	74 RIVER RD, CAPE NEDDICK, ME 03902-7287
Document Number	0177580209
Book / Page	17758 / 0209
Instrument	2018027770
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	2018027772
Date	Jul 20, 2018
Instrument	2018027772

Lender

Name	SACO & BIDDEFORD SAVS

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: York County and York Town assessment roll, as of May 22, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,603.00 (+3.28%)	$1,164,000 (+5.16%) Land $476,700 Building $687,300
2024	$9,298.00 (-0.59%)	$1,106,900 (-) Land $476,700 Building $630,200
2023	$9,353.00 (+3.49%)	$1,106,900 (+4.71%) Land $476,700 Building $630,200	$935,180
2022	$9,038.00	$1,057,100 Land $476,700 Building $580,400

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

Flood

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 49 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	144 units insured incl. 95 condo units
Nearby Flood Claims	6 (2007–2024)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Feb 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jan 2024 · 2 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

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.

Drinking Water

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

Water System	YORK WATER DISTRICT serves 13,675 people · EPA ID ME0091680
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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