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Single Family ResidenceResidential
$195,942$118 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 81How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

45 W RIVER RD

WATERVILLE, ME 04901
4
Beds
2
Baths
1,655 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1 ac
Lot SizeThe size of the land the home sits on, from county records.
1905
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$196K
$159K low$233K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$62,942
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$50,354
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.69%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$108,000
EMBRACE HOME LOANS · recorded Feb 5, 2010
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$25,000
TD BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,284 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$252,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$39,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$212,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$196,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$260,395

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.15 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyKENNEBEC
Lot (acres)The size of the land the home sits on, from county records.1.00
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Hot Water
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Waterville Junior High SchoolC+
Middle · Grades 6–8 · 0.6 mi
H
Waterville Senior High SchoolC
High · Grades 9–12 · 1.3 mi
E
George J Mitchell SchoolD+
Elementary · Grades PK–3 · 2.4 mi

District: Waterville

Neighborhood · ZIP 04901These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.91
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.70
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.69

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.28,079
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.340 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$58,894
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$74,846
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.44 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

45 W River Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 86% of homes in Kennebec County
  • Costs less per square foot than 95% of homes in Kennebec County
  • Bigger than 68% of homes in Kennebec County
  • Has a bigger lot than 75% of homes in Waterville 04901
  • Older than 85% of homes in Waterville 04901

What homes are worth in Waterville 04901

Each bar is how many homes fall in that price range. The marker is this home.

This home
$96K$615K

This home is worth more than 22% of homes in Waterville 04901.

How it measures up in Waterville 04901

The dot is this home. The mark in the middle is the typical home in Waterville 04901.

Estimated value$195,942
CheaperTypical $264,042Pricier

Pricier than 22% of homes nearby

Price per ft²$118
CheaperTypical $197Pricier

Pricier than 8% of homes nearby

Living area1,655 ft²
SmallerTypical 1,425 ft²Bigger

Bigger than 64% of homes nearby

Lot size1 ac
SmallerTypical 0.31 acBigger

Bigger than 75% of homes nearby

Year built1905
OlderTypical 1957Newer

Newer than 15% of homes nearby

How 45 W River Rd ranks against every home in each area.
MeasureThis homeWaterville 04901Kennebec County
Estimated valuepricier than$195,94222% of homes14% of homes
Price per ft²pricier than$1188% of homes5% of homes
Living areabigger than1,655 ft²64% of homes68% of homes
Lot sizebigger than1 ac75% of homes48% of homes
Year builtnewer than190515% of homes15% of homes

About 45 W River Rd

How much is 45 W River Rd, Waterville, ME worth?

The TopHap Estimate for 45 W River Rd, Waterville, ME is $195,942 as of Jul 14, 2026. The likely range is $159,134 to $232,750. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 W River Rd, Waterville, ME last sell?

45 W River Rd, Waterville, ME last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 45 W River Rd, Waterville, ME?

45 W River Rd, Waterville, ME has 4 bedrooms, 2 bathrooms, 1,655 square feet of living space and a 1.00-acre lot.

When was 45 W River Rd, Waterville, ME built?

45 W River Rd, Waterville, ME was built in 1905, making it 121 years old. It is a conventional home. The building has 2 stories.

What schools serve 45 W River Rd, Waterville, ME?

45 W River Rd, Waterville, ME is assigned to Waterville Junior High School (middle), rated C+; Waterville Senior High School (high), rated C; George J Mitchell School (elementary), rated D+. All sit in Waterville. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 45 W River Rd, Waterville, ME compare to other homes in Waterville 04901?

Among the 8,744 homes in Waterville 04901, it is worth more than 22% of them ($195,942 against a typical $264,042), its price per square foot is higher than 8% of them ($118 against a typical $197), it is bigger than 64% of them (1,655 ft² against a typical 1,425 ft²), its lot is bigger than 75% of them (1 ac against a typical 0.31 ac) and it is newer than 15% of them (1905 against a typical 1957). Measured against all of Kennebec County, it is worth more than 14% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 45 W River Rd, Waterville, ME?

The 2025 property tax bill for 45 W River Rd, Waterville, ME was $4,284. The county assessed it at $252,000.

Closest homes

More homes in Waterville 04901

Assigned schools

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