944 River Ave, Gardiner, ME 04345 Property Records

Kennebec County and Gardiner City property record for 944 River Ave, Gardiner, ME 04345

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,100 sqft · built 2004
Lot Size	2.11 acres (91,912 sqft)
Owner	2 Individual Names on Record
Last Sale	$237,900 (Nov 2017)
Tax Bill	$4,797 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Jun 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:010 L:011-D`

Property Details

APN / Parcel Number

Primary APN	`M:010 L:011-D`
Alternative APNs	`GARR M:010 B:011 L:D` `506`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,100 sqft Living Area
Gross Area	4,571 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	91,912 sqft (2.11 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	506
Street Address	944 RIVER AVE
City	GARDINER
State	ME
Zip	04345
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	11
Legal Block	11
Legal Lot Number	D
Jurisdiction	GARDINER ME
Township / Civil Division	GARDINER
Census Block Group	5
Census Block	5019
Census Tract	11000

Historic Designation

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.

Owner

Source: Kennebec County and Gardiner City records, as of October 21, 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 Record
Mailing Address	PO BOX 44, SOUTH GARDINER, ME 04359-0044
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Deed of Trust, Mortgage MAINE STATE CREDIT UNION
Jun 8, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MAINE STATE CREDIT UNION
May 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MAINE STATE CREDIT UNION
Nov 22, 2017	Personal Representative Deed, Transfer RESIDENTIAL MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2017 · Amount on Record
Deed Sale	Nov 22, 2017 · Amount on Record
Deed Document Number	201727867
Deed Book / Page	12783 / 283
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDINER ME
Recording Date	Oct 2, 2026
Property Address	944 RIVER AVE, GARDINER, ME 04345
Document Number	0000023659
Book / Page	15880 / 115
Instrument Date	Sep 28, 2026
Instrument	202623659
Transaction Type	Mortgage
Record Updated	Oct 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023659,
Date	Oct 2, 2026
Book Page	15880/115
Instrument	202623659

Lender

Name	MAINE STATE CREDIT UNION

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Nov 1, 2031

Interest

Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDINER ME
Property Address	944 RIVER AVE, GARDINER, ME 04345
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022013241
Date	Jun 8, 2022
Book Page	14475/8
Instrument	2022013241

Lender

Name	MAINE STATE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDINER ME
Property Address	944 RIVER AVE, GARDINER, ME 04345
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021012504
Date	May 12, 2021
Book Page	14003/244
Instrument	2021012504

Lender

Name	MAINE STATE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

November 2017: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	GARDINER ME
Recording Date	Nov 22, 2017
Property Address	944 RIVER AVE, GARDINER, ME 04345
Document Number	2017027867
Book / Page	12783 / 0283
Instrument	2017027867
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017027868
Date	Nov 22, 2017
Instrument	2017027868

Lender

Name	RESIDENTIAL MTG SVCS

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 22, 2047

Tax Assessment & Valuation

Source: Kennebec County and Gardiner City assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Kennebec County
Municipality	Gardiner City
Unified School District	School Administrative District 11 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,797.00 (+2.74%)	$182,400 (-) Land $35,400 Building $147,000
2024	$4,669.00 (+8%)	$182,400 (-) Land $35,400 Building $147,000	$398,525
2023	$4,323.00 (+6.77%)	$182,400 (-) Land $35,400 Building $147,000
2022	$4,049.00	$182,400 Land $35,400 Building $147,000

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1987)
Most Recent Claim	Apr 1987 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Apr 1987 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 97.9% of Maine
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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