Kennebec County and Waterville City property record for 92 Elm St, Waterville, ME 04901
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 3 ba · 1,855 sqft · built 1890 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on File |
| Last Sale | $175,000 (Apr 2022) |
| Tax Bill | $2,970 (2025) |
| Deeds & Mortgages | Apr 2022 Sale Jan 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | WAVL M:048 B:247 |
| Primary APN | WAVL M:048 B:247 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,855 sqft Living Area |
| Gross Area | 3,606 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,049 sqft (0.07 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 999 |
|---|---|
| Street Address | 92 ELM ST |
| City | WATERVILLE |
| State | ME |
| Zip | 04901-6032 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Block | 247 |
| Jurisdiction | WATERVILLE ME |
| Township / Civil Division | WATERVILLE |
| Census Block Group | 6 |
| Census Block | 6008 |
| 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.
92 Elm St, a duplex, is owned by an individual who bought it in April 2022.
Source: Kennebec County and Waterville City records, as of July 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3608 SANDERS LN, CATHARPIN, VA 20143-1036 |
| 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.
| Date | Document |
|---|---|
| Apr 28, 2022 | Quit Claim Deed, Transfer |
| Jan 7, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BAR HARBOR BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 28, 2022 · Amount on File |
| Deed Sale | Apr 28, 2022 · Amount on File |
| Deed Document Number | 20229816 |
| Deed Book / Page | 14433 / 123 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Recording Date | Apr 28, 2022 |
| Property Address | 92 ELM ST, WATERVILLE, ME 04901-6032 |
| Document Number | 2022009816 |
| Book / Page | 14433 / 123 |
| Instrument Date | Apr 28, 2022 |
| Instrument | 2022009816 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3608 SANDERS LN, CATHARPIN, VA 20143-1036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 92 ELM ST, WATERVILLE, ME 04901-6032 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 13852/225 |
|---|---|
| Date | Jan 7, 2021 |
| Book Page | 13852/225 |
| Instrument | 2021000435 |
| Name | BAR HARBOR BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 92 Elm St was $2,970.
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 | $2,970.00 | $174,700 Land $11,800 Building $162,900 |
| 2023 | $2,846.00 (+44.83%) | $143,000 (+88.16%) Land $9,100 Building $133,900 |
| 2022 | $1,965.00 | $76,000 Land $6,800 Building $69,200 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 92 Elm 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.
The area around 92 Elm St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 508 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber · DSL in parts of the area | 2,000 / 2,000 |
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
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