94 Cottage Rd, Winthrop, ME 04364 Property Records

Kennebec County and Winthrop Town property record for 94 Cottage Rd, Winthrop, ME 04364

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,344 sqft · built 1981
Lot Size	1.8 acres (78,408 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,217 (2025)
Deeds & Mortgages	Mar 2024 Refinance Jun 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINP M:046 L:009`

Property Details

APN / Parcel Number

Primary APN	`WINP M:046 L:009`
Alternative APN	`3770`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
Gross Area	2,500 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	78,408 sqft (1.8 acres)
View / Lot	Waterfront
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3770
Street Address	94 COTTAGE RD
City	WINTHROP
State	ME
Zip	04364-3931
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MIX
Legal Lot Number	9
Jurisdiction	WINTHROP ME
Township / Civil Division	WINTHROP
Census Block Group	3
Census Block	3004
Census Tract	14001

Owner

Source: Kennebec County and Winthrop Town records · APN WINP M:046 L:009

Assessment roll updated July 30, 2026 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	509 CARRIAGE RD, INDIAN HARBOUR BEACH, FL 32937-4043
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance KENNEBEC SAVINGS BANK
Jun 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance KENNEBEC SAVINGS BANK
Jul 26, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 26, 2019
Deed Sale	Jul 26, 2019
Deed Document Number	201916078
Deed Book / Page	13281 / 162
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP ME
Property Address	94 COTTAGE RD, WINTHROP, ME 04364-3931
Transaction Type	Mortgage
Record Updated	Mar 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024004726
Date	Mar 12, 2024
Book Page	14998/182
Instrument	2024004726

Lender

Name	KENNEBEC SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2054

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINTHROP ME
Property Address	94 COTTAGE RD, WINTHROP, ME 04364-3931
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021016804
Date	Jun 21, 2021
Book Page	14057/234
Instrument	2021016804

Lender

Name	KENNEBEC SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINTHROP ME
Recording Date	Jul 26, 2019
Property Address	94 COTTAGE RD, WINTHROP, ME 04364-3931
Document Number	2019016078
Book / Page	13281 / 162
Instrument Date	Jul 25, 2019
Instrument	2019016078
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 MCGAUIRE BOULVERED, INDIAN HARBOUR BEACH, FL 32927

Tax Assessment & Valuation

Source: Kennebec County and Winthrop Town records · Assessment roll updated July 30, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maine
County	Kennebec County
County Subdivision	Winthrop Town
Unified School District	Winthrop (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,217.00	$355,700 (-) Land $220,100 Building $135,600
2024	$8,217.00 (+6.11%)	$355,700 (-) Land $220,100 Building $135,600
2022	$7,744.00	$355,700 Land $220,100 Building $135,600	$405,650

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 98.5% of Maine
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Based on FCC filings for 22 locations within half a mile of this property.

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