Kennebec County and Waterville City property record for 98 Silver St, Waterville, ME 04901
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Lot Size | 0.87 acres (37,898 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $6,588 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jun 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WAVL M:044 B:217 |
| Primary APN | WAVL M:044 B:217 |
|---|---|
| Alternative APNs |
|
| Units | 2 Units |
|---|
| Lot Area | 37,898 sqft (0.87 acres) |
|---|---|
| Total Buildings | 2 Buildings |
| Account Number | 2595 |
|---|---|
| Old Parcel Number | WAVL M:044 B:217 |
| Street Address | 98 SILVER ST |
| City | WATERVILLE |
| State | ME |
| Zip | 04901-5935 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Legal Block | 217 |
| Jurisdiction | WATERVILLE ME |
| Township / Civil Division | WATERVILLE |
| Census Block Group | 1 |
| Census Block | 1001 |
| 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.
Source: Kennebec County and Waterville City 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 | 98 SILVER ST, WATERVILLE, ME 04901-5935 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 24, 2026 | Deed of Trust LIVE OAK BANKING COMPANY |
| Jun 9, 2017 | Deed of Trust, Mortgage · Commercial Mortgage KENNEBUNK SVGS BANK |
| Jan 7, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance KENNEBEC SAVINGS BANK |
| Jan 7, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance KENNEBEC SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Recording Date | Jun 24, 2026 |
| Property Address | 98 SILVER ST, WATERVILLE, ME 04901-5935 |
| Document Number | 0000013457 |
| Book / Page | 15768 / 135 |
| Instrument Date | Jun 24, 2026 |
| Instrument | 202613457 |
| Record Updated | Jul 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000013457, |
|---|---|
| Date | Jun 24, 2026 |
| Book Page | 15768/135 |
| Instrument | 202613457 |
| Name | LIVE OAK BANKING COMPANY |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Jul 1, 2036 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 98 SILVER ST, WATERVILLE, ME 04901-5935 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2017012315 |
|---|---|
| Date | Jun 9, 2017 |
| Book Page | 12625/0313 |
| Instrument | 2017012315 |
| Name | KENNEBUNK SVGS BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 98 SILVER ST, WATERVILLE, ME 04901-5935 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2020000411 |
|---|---|
| Date | Jan 7, 2020 |
| Book Page | 13447/129 |
| Instrument | 2020000411 |
| Name | KENNEBEC SAVINGS BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERVILLE ME |
| Property Address | 98 SILVER ST, WATERVILLE, ME 04901-5935 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2020000409 |
|---|---|
| Date | Jan 7, 2020 |
| Book Page | 13447/114 |
| Instrument | 2020000409 |
| Name | KENNEBEC SAVINGS BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
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 | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,588.00 (+4.77%) | $387,500 (+22.63%) Land $92,800 Building $294,700 | |
| 2024 | $303,905 | ||
| 2023 | $6,288.00 (+18.96%) | $316,000 (+54.52%) Land $62,600 Building $253,400 | |
| 2022 | $5,286.00 | $204,500 Land $46,900 Building $157,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.9% 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.
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 330 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Fidium Fiber Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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