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45 Cedar Camp Road #4, Belgrade, ME, 04917

2beds
1baths
676sqft
$489,900
$725price/sqft
$3,324/moest. monthly cost
$132,960/yrincome needed

About This Home

GREAT POND Escape to the lake & unwind in this classic 2BR/1BA Maine camp on beautiful Great Pond, one of the premier lakes in the Belgrade Lakes Region. Whether you're seeking peaceful mornings on the screened porch, afternoons on the water, or evenings listening to loons under the stars around the campfire, this property offers the quintessential Maine camp experience. Anglers will appreciate the exceptional fishing right from the private dock, with opportunities to catch smallmouth bass, largemouth bass, northern pike, chain pickerel, yellow perch, white perch, and even brown and brook trout. The dock is also perfect for swimming, relaxing, or keeping your boat close at hand for a day exploring the lake. Inside, the camp features a full kitchen with refrigerator, gas stove & microwave, Rinnai space heater for cool evenings, 2 bedrooms, sleeping loft, and full bath. The highlight is the spacious screened porch -- an ideal place to read, entertain, or simply take in the breathtaking lake views & sounds of the loons. Great Pond offers outstanding recreational opportunities, including public docks with access to local restaurants, Day's Store, farmers market, marina with a state-maintained public boat launch. Located within the Cedar Camps Community on 11.9 acres, residents enjoy shared amenities including a sandy beach, sports field, tennis courts, trash pick-up, grounds keeping, well, septic and even caretaker services for opening/closing camp as well as winter watch for peace of mind. Rentals are permitted, making this an excellent investment opportunity as well as a personal retreat. Come experience your own slice of ''On Golden Pond''! MORE PHOTOS COMING SOON. SHOWINGS START SATURDAY, MAY 30!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
Belgrade Central SchoolGrades PK-53.3 mi
7/10

Construction

Condition

  • Year built: 1965

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Shingle
  • Construction materials: Wood Frame,Wood Siding

Type & Style

  • Home type: Condo
  • Architectural style: Camp
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Microwave,Gas Range,Refrigerator

Basement

  • Basement: None

Bedroom1

  • Features: Built-in Features
  • Level: First

Bedroom2

  • Features: Built-in Features
  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • 1st Floor Bedroom,One-Floor Living,Shower
  • Flooring: Wood
  • Finished area below ground: 0
  • Finished area above ground: 676

Heating & Cooling

  • Heating features: Space Heater
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 676
  • Total interior livable area: 676 sqft

Kitchen

  • Features: Eat-in Kitchen
  • Level: First

Living Room

  • Features: Cathedral Ceiling(s)
  • Level: First

Loft

  • Features: Ladder,Sleeping,Storage
  • Level: Second

Sunroom

  • Features: Three-Season,Unheated
  • Level: First

Property

Details

  • Zoning: Shoreland
  • Other equipment: Internet Access Available

Features

  • Patio & porch: Porch,Screened
  • Has view: Yes
  • View description: Scenic
  • On waterfront: Yes
  • Waterbody name: GREAT POND
  • Frontage length: Waterfrontage: 490,Waterfrontage Owned: 53,Waterfrontage Shared: 490

Lot

  • Lot size: 11.90 Acres
  • Features: Near Country Club,Near Golf Course,Near Public Beach,Near Shopping,Near Town,Level,Landscaped,Wooded

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

  • Ice Storm
    Ice StormRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Ice Storm
Winter Weather
Hurricane
Inland Flooding
Lightning

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 $2,477$29,724
Home Insurance $179$2,148
Property Taxes $424$5,088
Electricity $244$2,930
Total$3,324$39,888

Income You'd Need if You Spent...

35% on housing$113,965/yr
40% on housing$99,720/yr
45% on housing$88,640/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

$725This listing

vs Other Active Listings

Avg $/sqft

ZIP 04917$298
Kennebec County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 04917$191
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
2026-07-08Price change$489,900
2026-05-28Listed for sale$499,900
2024-02-09Sold$410,000
2023-12-13Pending sale$449,500
2023-10-16Listing removed--
2023-08-04Listed for sale$449,500

For Sale by Agent

BrokeragePortside Real Estate Group

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