Kennebec County and Waterville City property record for 74 Summer St, Waterville, ME 04901
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 2,592 sqft · built 1930 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,039 (2025) |
| Deeds & Mortgages | Oct 2023 Refinance Feb 2020 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WAVL M:039 B:166 |
| Primary APN | WAVL M:039 B:166 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,592 sqft Living Area |
| Gross Area | 5,306 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 3869 |
|---|---|
| Street Address | 74 SUMMER ST |
| City | WATERVILLE |
| State | ME |
| Zip | 04901-6363 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Subdivision | GILMAN PK |
| Legal Block | 166 |
| Jurisdiction | WATERVILLE ME |
| Township / Civil Division | WATERVILLE |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 24102 |
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.
Source: Kennebec County and Waterville City records, as of July 30, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 74 SUMMER ST, WATERVILLE, ME 04901-6363 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 26, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance CPORT CREDIT UNION |
| Feb 19, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance KENNEBEC SAVINGS BANK |
| Feb 19, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance KENNEBEC SAVINGS BANK |
| Nov 16, 2020 | Deed of Trust, Mortgage · Line of Credit KENNEBEC SAVINGS BANK |
| Jan 5, 2017 | Warranty Deed, Transfer · FHA Mortgage |
| Jan 5, 2017 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 74 SUMMER ST, WATERVILLE, ME 04901-6363 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2023021576 |
|---|---|
| Date | Oct 26, 2023 |
| Book Page | 14899/27 |
| Instrument | 2023021576 |
| Name | CPORT CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Nov 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 74 SUMMER ST, WATERVILLE, ME 04901-6363 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2020003436 |
|---|---|
| Date | Feb 19, 2020 |
| Book Page | 13478/138 |
| Instrument | 2020003436 |
| Name | KENNEBEC SAVINGS BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 205 Months |
| Due | Mar 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 74 SUMMER ST, WATERVILLE, ME 04901-6363 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2020003437 |
|---|---|
| Date | Feb 19, 2020 |
| Book Page | 13478/155 |
| Instrument | 2020003437 |
| Name | KENNEBEC SAVINGS BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 74 SUMMER ST, WATERVILLE, ME 04901-6363 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2020029602 |
|---|---|
| Date | Nov 16, 2020 |
| Book Page | 13788/252 |
| Instrument | 2020029602 |
| Name | KENNEBEC SAVINGS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Recording Date | Jan 5, 2017 |
| Property Address | 74 SUMMER ST, WATERVILLE, ME 04901-6363 |
| Document Number | 12509/349 |
| Book / Page | 12509 / 349 |
| Instrument | 2017000261 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2017 |
| Tax | $23.38 |
|---|---|
| Amount Accuracy | Non-Arm's Length Transaction |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | , 12510/0001 |
|---|---|
| Date | Jan 5, 2017 |
| Instrument | 12510/0001 |
| Type | Bank |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 5, 2047 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Recording Date | Jan 5, 2017 |
| Property Address | 74 SUMMER ST, WATERVILLE, ME 04901-6363 |
| Document Number | 2017000261 |
| Book / Page | 12509 / 0349 |
| Instrument | 2017000261 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Kennebec County and Waterville City assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Kennebec County |
| Municipality | Waterville City |
| Unified School District | Waterville (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $4,039.00 (-2.13%) | $237,600 (+14.56%) Land $26,400 Building $211,200 |
| 2023 | $4,127.00 (+42.31%) | $207,400 (+84.85%) Land $20,300 Building $187,100 |
| 2022 | $2,900.00 | $112,200 Land $15,300 Building $96,900 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
| Nearby Flood Claims | 6 (1987–2023) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Dec 2023 · Severe Storm And Flooding |
| Claims by Event |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 330 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Fidium Fiber Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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