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37 Waterford Road, Harrison, ME, 04040

4beds
2baths
2,242sqft
$495,000
$221price/sqft
$3,364/moest. monthly cost
$134,560/yrincome needed

About This Home

Classic New Englander charm meets modern comfort in this inviting 4-bedroom, 2-bath home in the heart of Harrison. Set on a beautifully wooded lot, this property offers peaceful surroundings along with lovely views of Long Lake and deeded water access, perfect for enjoying Maine's four-season lifestyle. Inside, you'll find a warm and welcoming blend of original character and thoughtful updates. Recent improvements include updated flooring, a custom water heating system, and hardwired high-speed internet with Ethernet ports, ideal for today's connected living. Sun-filled living spaces, a flexible floor plan, and a spacious sunroom create the perfect setting for relaxing or entertaining year-round. Step outside to enjoy established gardens, mature trees, and a private yard that invites you to unwind. Additional cabins on the property offer exciting potential for guest space, creative studios, or future accessory dwelling units (ADUs), providing flexibility and added value. (confirm with town on possibilities) Located close to Harrison Village amenities while still offering a sense of retreat, this property is ideal as a year-round residence or a seasonal getaway. With deeded access to Long Lake, you can enjoy boating, swimming, and all that lakeside living has to offer--just moments from your door.

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

3/10
2/10

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Poured Concrete
  • Roof: Metal
  • Construction materials: Wood Frame,Clapboard

Type & Style

  • Home type: SingleFamily
  • Architectural style: Farmhouse,New Englander
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Electric Range,Refrigerator,Washer,Tankless Water Heater

Basement

  • Has basement: Yes
  • Basement: Interior Entry,Daylight,Finished,Full

Bedroom1

  • Level: Second
  • Area: 195.60000000000002
  • Dimensions: 12 x 16.3

Bedroom2

  • Features: Skylight
  • Level: Second
  • Area: 195.60000000000002
  • Dimensions: 12 x 16.3

Bedroom3

  • Level: Second
  • Area: 286
  • Dimensions: 13 x 22

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Bonus Room

  • Level: Basement
  • Area: 144
  • Dimensions: 9.6 x 15

Dining Room

  • Features: Wood Burning Fireplace
  • Level: First
  • Area: 192
  • Dimensions: 12 x 16

Family Room

  • Features: Cathedral Ceiling(s),Gas Fireplace
  • Level: First
  • Area: 212.16
  • Dimensions: 13.6 x 15.6

Features

  • 1st Floor Bedroom,Storage
  • Flooring: Carpet,Vinyl,Wood
  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 228
  • Finished area above ground: 2,014

Heating & Cooling

  • Heating features: Radiant
  • Cooling features: None

Interior Area

  • Total structure area: 2,242
  • Total interior livable area: 2,242 sqft

Kitchen

  • Features: Eat-in Kitchen
  • Level: First
  • Area: 216
  • Dimensions: 12 x 18

Living Room

  • Level: First
  • Area: 192
  • Dimensions: 12 x 16

Office

  • Level: Basement

Primary Bedroom

  • Level: First
  • Area: 198
  • Dimensions: 11 x 18

Property

Details

  • Parcel number: HRRSM45L0127
  • Zoning: None Known

Features

  • Patio & porch: Deck
  • Has spa: Yes
  • Has view: Yes
  • View description: Mountain(s),Scenic
  • Waterbody name: Long Lake

Lot

  • Lot size: 1 Acres
  • Features: City Lot,Open Lot,Rolling Slope,Landscaped

Parking

  • Total spaces: 1
  • Parking features: Paved,1 - 4 Spaces
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 WeatherRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Ice Storm
Lightning
Strong Wind
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 $2,502$30,024
Home Insurance $245$2,940
Property Taxes $292$3,504
Electricity $325$3,910
Total$3,364$40,368

Income You'd Need if You Spent...

35% on housing$115,337/yr
40% on housing$100,920/yr
45% on housing$89,706/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

$221This listing

vs Other Active Listings

Avg $/sqft

ZIP 04040$313
Cumberland County$369

vs Homes Sold Last Month

Median $/sqft

ZIP 04040$262
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
2026-04-24Listed for sale$495,000
2011-10-21Sold$195,000

For Sale by Agent

BrokerageJC North East Real Estate

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