97 Harbor Rd, Wells, ME 04090 Property Records

York County and Wells Town property record for 97 Harbor Rd, Wells, ME 04090

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,572 sqft · built 1950
Lot Size	0.23 acres (10,019 sqft)
Owner	Trust Name on Record
Tax Bill	$3,283 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Mar 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`WLLS M:135 L:27`

Property Details

APN / Parcel Number

Primary APN	`WLLS M:135 L:27`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,572 sqft Living Area
Gross Area	2,326 sqft
1st Floor Area	978 sqft
Basement Area	594 sqft
Unfinished Basement	594 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	97 HARBOR RD
City	WELLS
State	ME
Zip	04090-4551
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	27
Jurisdiction	WELLS ME
Township / Civil Division	WELLS
Census Block Group	2
Census Block	2002
Census Tract	34005

Owner

Source: York County and Wells 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	Trust Name on Record
Mailing Address	527 E BROADWAY, 1, SOUTH BOSTON, MA 02127-4498
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Mar 4, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS ME
Property Address	97 HARBOR RD, WELLS, ME 04090-4551
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0197520051
Date	Sep 29, 2025
Book Page	19752/51
Instrument	2025035102

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS ME
Property Address	97 HARBOR RD, WELLS, ME 04090-4551
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0185780384
Date	Mar 4, 2021
Book Page	18578/384
Instrument	2021012443

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2046

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maine
County	York County
County Subdivision	Wells Town
Unified School District	Wells-Ogunquit Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,283.00 (+6.28%)	$508,130 (-) Land $237,040 Building $271,090
2024	$3,089.00 (+2.01%)	$508,130 (-) Land $237,040 Building $271,090
2023	$3,028.00 (+28.96%)	$508,130 (+126.35%) Land $237,040 Building $271,090	$554,610
2022	$2,348.00	$224,490 Land $95,900 Building $128,590

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 April 16, 2025 · 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
Flood Insurance Cost	Premium on Record median of 280 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	345 units insured incl. 65 condo units
Nearby Flood Claims	124 (1991–2024)
Claims Outside the SFHA	9 of 124
Most Recent Claim	Mar 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jan 2024 · 66 claims Severe Storm And Flooding, Dec 2022 · 23 claims Coastal Storm, Oct 1991 · 7 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 80% of the US · above 53% of Maine
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	KENNEBUNK, KENNEBUNKPORT & WELLS WD serves 35,663 people · EPA ID ME0090760
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025

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

May also be available: Fidium Fiber.

Cell Coverage

5G and 4G LTE (outdoors only)

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