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9 Lower Road, Orrs Island, ME, 04066

5beds
1baths
1,827sqft
$899,000
$492price/sqft
$5,535/moest. monthly cost
$221,400/yrincome needed

About This Home

Rare Waterfront Opportunity on Orr's Island! Enjoy 240 feet of privately owned waterfront on picturesque Lowell's Cove with sweeping views to the Atlantic Ocean and a permitted piling dock. This exceptional property offers the boating, kayaking, paddleboarding, and coastal lifestyle that make Harpswell one of Maine's most treasured destinations. Set on 0.45 acres, this classic 1904 Maine home features five bedrooms, generous living spaces, original woodwork, period details, and large windows framing the ever-changing beauty of the cove. Relax on the enclosed porch while watching Maine's remarkable tides transform the shoreline, revealing expansive mudflats before returning to fill the cove with the rhythm and beauty that define life on the coast. The gently sloping lawn leads to the shoreline and permitted dock, providing easy access to the water. Larger boats can be moored nearby, while the protected cove is ideal for kayaking, paddleboarding, swimming, and simply enjoying the peaceful waterfront setting. Whether you envision restoring this cherished family home, creating a seasonal retreat, or building your dream waterfront residence, the possibilities are endless. Built in 1904 by the seller's great-grandfather, this home has remained in the same family for generations. One longtime owner was a respected local lobsterman who worked these waters, while his wife faithfully served the Town of Harpswell as its Town Clerk for 35 years. Their love for this special place is reflected throughout the property. Just minutes from beaches, boat launches, restaurants, and scenic trails, this is a rare opportunity to become the next steward of a remarkable piece of Maine's coast.

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

9/10
6/10
Mt Ararat Middle SchoolGrades 6-813.0 mi
4/10
Mt Ararat High SchoolGrades 9-1212.6 mi

Construction

Condition

  • Year built: 1904

Materials

  • Roof: Composition,Fiberglass,Pitched,Shingle
  • Construction materials: Wood Frame,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape Cod
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Disposal,Gas Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Crawl Space,Unfinished

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedroom5

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: First

Features

  • 1st Floor Bedroom,Attic,Shower
  • Flooring: Laminate,Vinyl,Wood,Hardwood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,827

Heating & Cooling

  • Heating features: Forced Air,Wood Stove
  • Cooling features: None

Interior Area

  • Total structure area: 1,827
  • Total interior livable area: 1,827 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Level: First

Sunroom

  • Level: First

Property

Details

  • Parcel number: HARPM031L003
  • Zoning: CF1

Features

  • Has view: Yes
  • View description: Scenic
  • On waterfront: Yes
  • Waterbody name: Lowell's Cove/Atlantic Ocean
  • Frontage length: Waterfrontage: 240,Waterfrontage Owned: 240

Lot

  • Lot size: 0.45 Acres
  • Features: Near Public Beach,Near Town,Open Lot,Rolling Slope,Wooded

Parking

  • Parking features: Gravel,1 - 4 Spaces,On Site,Off Street

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
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Coastal Flooding
Hurricane
Ice Storm
Lightning
Tsunami

FEMA Declared Disasters Across Maine Counties

Flood
Hurricane
Severe Storm
Winter 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 $4,545$54,540
Home Insurance $245$2,940
Property Taxes $480$5,760
Electricity $265$3,186
Total$5,535$66,420

Income You'd Need if You Spent...

35% on housing$189,771/yr
40% on housing$166,050/yr
45% on housing$147,600/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: 9.5%
9.5%
0%30.0%
Electricity Growth Rate10-year average: 7.7%
7.7%
0%15.0%
Property Taxes Growth Rate2-year average: -0.2%
-0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$492This listing

vs Other Active Listings

Avg $/sqft

ZIP 04066$416
Cumberland County$368

vs Homes Sold Last Month

Median $/sqft

ZIP 04066$375
Cumberland County$317

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
2026-06-25Listed for sale$899,000

For Sale by Agent

BrokerageKeller Williams Realty

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