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14 Main Street, Mount Vernon, ME, 04352

4beds
3baths
3,200sqft
$539,900
$169price/sqft
$4,473/moest. monthly cost
$178,920/yrincome needed

About This Home

Step into a waterfront Wyeth painting! Built in 1840 and nestled in the heart of the quaint lakefront (peaceful Lake Minnehonk)village of Mount Vernon, this solid brick gem is right in the heart of ''downtown''. Only steps to the community center, post office, and Scapes Cafe, get away from it all, without missing a beat! The home features two separate living areas with two full kitchens, each fully appointed with granite counters. Ground floor in-law unit features a large bedroom with a lake view and door to private deck and a full bath, living area, entrance and kitchen. Main house with living room & Kitchen on main level. Second floor features 3-4 additional bedrooms, laundry and a bath and a half. Jefferson stairs lead to the finished attic area which has skylights and would make a wonderful home office/ studio. House lends itself to Airbnb potential, or host the family or in laws. Metal roof, maintenance free brick exterior, fireplace and curb appeal- bring your Maine dreams here!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

8/10

Construction

Condition

  • Year built: 1840

Materials

  • Foundation: Stone
  • Roof: Metal
  • Construction materials: Masonry,Brick

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Bulkhead,Interior Entry,Dirt Floor,Full,Brick/Mortar

Bedroom1

  • Level: First

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Bonus Room

  • Level: First

Bonus Room

  • Level: Second

Bonus Room

  • Level: Third

Family Room

  • Level: First

Features

  • 1st Floor Bedroom,Attic,Bathtub,In-Law Floorplan,Shower
  • Flooring: Carpet,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,200

Heating & Cooling

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

Interior Area

  • Total structure area: 3,200
  • Total interior livable area: 3,200 sqft

Kitchen

  • Level: First

Other

  • Level: First

Property

Details

  • Parcel number: MTVRMU06L8
  • Zoning: Residential

Features

  • Levels: Multi/Split
  • Patio & porch: Deck
  • On waterfront: Yes
  • Waterbody name: Minnehonk Lake
  • Frontage length: Waterfrontage: 104,Waterfrontage Owned: 104

Lot

  • Lot size: 10,454 sqft
  • Features: City Lot,Near Town,Other,Landscaped

Parking

  • Parking features: Gravel,1 - 4 Spaces

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
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Ice Storm
Lightning
Hurricane
Inland Flooding
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 $2,730$32,760
Home Insurance $271$3,252
Property Taxes $1,007$12,084
Electricity $465$5,581
Total$4,473$53,676

Income You'd Need if You Spent...

35% on housing$153,360/yr
40% on housing$134,190/yr
45% on housing$119,280/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: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 7.7%
7.7%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$169This listing

vs Other Active Listings

Avg $/sqft

ZIP 04352$220
Kennebec County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 04352$232
Kennebec County$192

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
2026-03-18Listed for sale$549,900
2026-02-17Listing removed$575,000
2025-08-25Listed for sale$575,000
2024-11-19Listing removed$649,900
2024-08-21Listed for sale$649,900

For Sale by Agent

BrokerageBetter Homes & Gardens Real Estate/The Masiello Group

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