Kennebec County and West Gardiner Town property record for 94 Cold Stream Rd, Gardiner, ME 04345
| Owner | Individual Name on Record |
|---|---|
| Last Sale | $101,300 (May 2022) |
| Tax Bill | $1,650 (2025) |
| Deeds & Mortgages | Sep 2023 Refinance May 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | WESR 001120 |
| Primary APN | WESR 001120 |
|---|---|
| Alternative APN |
|
| Account Number | 1120 |
|---|---|
| Street Address | 94 COLD STREAM RD |
| City | GARDINER |
| State | ME |
| Zip | 04345 |
| Property Category | Other |
| Property Type | Unknown |
| Local Zoning Code | NRC |
| Jurisdiction | WEST GARDINER ME |
| Township / Civil Division | WEST GARDINER |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 10804 |
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 West Gardiner Town records, as of July 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | PO BOX 235, GARDINER, ME 04345-0235 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 8, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE |
| May 31, 2022 | Personal Representative Deed, Transfer · Stand-Alone Refinance MILESONE FEDERAL CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 31, 2022 · Amount on Record |
| Deed Sale | May 31, 2022 · Amount on Record |
| Deed Document Number | 202212352 |
| Deed Book / Page | 14464 / 217 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEST GARDINER ME |
| Property Address | 94 COLD STREAM RD, GARDINER, ME 04345 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2024 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 2023017529 |
|---|---|
| Date | Sep 8, 2023 |
| Book Page | 14858/25 |
| Instrument | 2023017529 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | WEST GARDINER ME |
| Recording Date | May 31, 2022 |
| Property Address | 94 COLD STREAM RD, GARDINER, ME 04345 |
| Document Number | 2022012352 |
| Book / Page | 14464 / 217 |
| Instrument Date | May 20, 2022 |
| Instrument | 2022012352 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 BROOKSIDE DR, TOPSHAM, ME 04086-5146 |
| Document Number | 2022012353 |
|---|---|
| Date | May 31, 2022 |
| Book Page | 14464/220 |
| Instrument | 2022012353 |
| Name | MILESONE FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2037 |
Source: Kennebec County and West Gardiner Town assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Kennebec County |
| County Subdivision | West Gardiner Town |
| Unified School District | School Administrative District 11 (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $1,650.00 (+7.56%) | $223,000 (+15.54%) Land $35,000 Building $188,000 |
| 2024 | $1,534.00 (+846.91%) | $193,000 (+865%) Land $35,000 Building $158,000 |
| 2023 | $162.00 (-6.9%) | $20,000 (-4.76%) Land $20,000 |
| 2022 | $174.00 | $21,000 Land $20,000 Building $1,000 |
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.
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 | 8 in force |
| Nearby Flood Claims | 1 (2019) |
| Most Recent Claim | Jan 2019 · 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.
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.
Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Fidium Fiber, T-Mobile, Verizon.
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