862 Main St, Eliot, ME 03903 Property Records

York County and Eliot Town property record for 862 Main St, Eliot, ME 03903

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,571 sqft · built 1984
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$386,000 (Jan 2016)
Tax Bill	$6,615 (2025)
Deeds & Mortgages	Sep 2020 Refinance May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ELIO M:10 B:37 L`

Property Details

APN / Parcel Number

Primary APN	`ELIO M:10 B:37 L`
Alternative APN	`2115`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,571 sqft Living Area
Gross Area	5,454 sqft
1st Floor Area	1,972 sqft
Basement Area	1,296 sqft
Unfinished Basement	204 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2115
Street Address	862 MAIN ST
City	ELIOT
State	ME
Zip	03903-1852
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VD
Legal Subdivision	GREENWOOD ESTS
Legal Block	37
Jurisdiction	ELIOT ME
Township / Civil Division	ELIOT
Census Block Group	1
Census Block	1003
Census Tract	37000

Owner

862 Main St is owned and occupied by two individuals who bought it in January 2016.

Source: York County and Eliot Town records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	862 MAIN ST, ELIOT, ME 03903-1852
Occupancy	Owner Occupied
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
Sep 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance UNIVERSITY CREDIT UNION
May 1, 2020	Deed of Trust, Mortgage CUSO HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2016 · Amount on File
Deed Sale	Jan 11, 2016 · Amount on File
Prior Sale	Dec 19, 2012 · Amount on File
Deed Document Number	20161034
Deed Book / Page	17166 / 518
Transfer Doc	16598-0130
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELIOT ME
Property Address	862 MAIN ST, ELIOT, ME 03903-1852
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0183770465
Date	Sep 15, 2020
Book Page	18377/465
Instrument	2020045302

Lender

Name	UNIVERSITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELIOT ME
Property Address	862 MAIN ST, ELIOT, ME 03903-1852
Document Number	0182370697
Instrument Date	May 1, 2020
Transaction Type	Mortgage
Record Updated	Jun 4, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	39 GREENWOOD ST ELIOT ME 039031802, ELIOT, ME 03903-1802

Mortgage

Document Number	0182370697
Date	May 6, 2020
Book Page	018237/000697
Instrument	19104

Lender

Name	CUSO HM LNDG
Address	HAMPDEN, ME 04444

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 5, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 862 Main St was $6,615, down 2.8% from the year before.

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

Property Jurisdictions

Type	Name
State	Maine
County	York County
County Subdivision	Eliot Town
Unified School District	School Administrative District 35 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,615.00 (-2.76%)	$588,000 (+2.42%) Land $153,700 Building $434,300
2024	$6,803.00 (+6.91%)	$574,100 (+10.53%) Land $139,800 Building $434,300
2023	$6,363.00 (+4.69%)	$519,400 (+3.4%) Land $133,400 Building $386,000	$809,780
2022	$6,078.00	$502,300 Land $133,400 Building $368,900

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

Flood

FEMA maps place 862 Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Sep 1979 · rainfall accumulation

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 862 Main 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	Direct burnable vegetation

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	KITTERY WATER DISTRICT serves 14,478 people · EPA ID ME0090790
Water Source	Surface water
Last State Inspection	Apr 2024
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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