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106 Fernald Road, Poland, ME, 04274

5beds
2baths
3,478sqft
$639,000
$184price/sqft
$4,848/moest. monthly cost
$193,920/yrincome needed

About This Home

Experience the best of Maine waterfront living on highly sought-after Tripp Pond. Situated on 3.96 private acres with 96 feet of owned water frontage, this spacious 5-bedroom, 2-bath home features over 3,400 square feet of living space and the perfect blend of privacy, recreation, and year-round comfort. Inside, cathedral ceilings and abundant natural light create a warm and inviting atmosphere, while multiple living and gathering spaces provide flexibility for family, guests, or entertaining. Four heating sources and an automatic standby generator ensure comfort and peace of mind throughout every season. An attached two-car garage provides ample storage for vehicles, outdoor equipment, and all your waterfront essentials. Step outside and enjoy everything this exceptional property has to enjoy. Three decks create the perfect setting for morning coffee, outdoor dining, or relaxing while taking in views of the water. The expansive backyard provides plenty of room for lawn games, gatherings, and summer entertaining. Down by the water, enjoy 96 feet of owned frontage featuring a beach area and boat slip, with easy access to boating, swimming, fishing, and all that Tripp Pond has to enjoy. With five bedrooms, expansive gathering spaces, and a highly desirable waterfront location, the property may also appeal to buyers exploring vacation home or short-term Airbnb rental opportunities. Whether you're searching for a year-round residence, seasonal retreat, or investment property, this waterfront home is ready to be enjoyed for years to come.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

4/10
Poland Community SchoolGrades PK-62.5 mi
7/10
4/10

Construction

Condition

  • Year built: 1985

Materials

  • Foundation: Poured Concrete
  • Roof: Shingle
  • Construction materials: Wood Frame,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial,Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Gas Range,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Bulkhead,Sump Pump,Unfinished

Bedroom1

  • Level: First

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedroom5

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Bonus Room

  • Level: Second

Features

  • 1st Floor Bedroom,Bathtub,Walk-In Closet(s)
  • Flooring: Laminate,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,478

Heating & Cooling

  • Heating features: Baseboard,Heat Pump,Hot Water,Wood Stove
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 3,478
  • Total interior livable area: 3,478 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Living Room

  • Level: First

Loft

  • Level: Second

Office

  • Level: First

Sunroom

  • Level: First

Property

Details

  • Parcel number: POLAM0026L0044A
  • Zoning: Res-Village 3
  • Other equipment: Generator

Features

  • Patio & porch: Deck,Patio,Porch
  • On waterfront: Yes
  • Waterbody name: Tripp Pond
  • Frontage length: Waterfrontage: 96,Waterfrontage Owned: 96

Lot

  • Lot size: 3.96 Acres
  • Features: Rural,Level,Wooded

Parking

  • Total spaces: 2
  • Parking features: Gravel,5 - 10 Spaces
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Winter Weather
    Winter WeatherVery High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Hurricane
    HurricaneModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Ice Storm
Lightning
Hurricane
Strong Wind

FEMA Declared Disasters Across Maine Counties

Flood
Hurricane
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,231$38,772
Home Insurance $204$2,448
Property Taxes $908$10,896
Electricity $505$6,066
Total$4,848$58,176

Income You'd Need if You Spent...

35% on housing$166,217/yr
40% on housing$145,440/yr
45% on housing$129,280/yr

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.5%
10.5%
0%30.0%
Electricity Growth Rate10-year average: 7.7%
7.7%
0%15.0%
Property Taxes Growth Rate2-year average: -2.1%
-2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$184This listing

vs Other Active Listings

Avg $/sqft

ZIP 04274$252
Androscoggin County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 04274$263
Androscoggin County$196

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-08Price change$639,000
2026-06-17Listed for sale$699,000
2019-08-05Sold$333,500
2019-07-01Pending sale$349,800
2019-04-12Listed for sale$349,800
2016-12-15Sold$212,000
2016-07-08Pending sale$239,900
2016-05-31Listed for sale$239,900
2016-03-25Listing removed$265,000
2016-02-18Price change$265,000
2015-12-30Price change$267,500
2015-10-15Price change$275,000
2015-08-28Listed for sale$284,900

For Sale by Agent

AgentWilliam Graiver
BrokerageTown & Shore Real Estate

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