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1317 Trim Lane #-1, Islesboro, ME, 04848

1beds
1baths
936sqft
$975,000
$1,042price/sqft
$7,024/moest. monthly cost
$280,960/yrincome needed

About This Home

On an island in Maine sits this sweet cottage with room to expand or build on the elevated point looking West over Penobscot Bay. Explore 14 acres and 1,288 feet of shore front and beach.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

9/10
Islesboro Central SchoolGrades K-127.2 mi

Construction

Condition

  • Year built: 1994

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Refrigerator

Basement

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

Bedroom1

  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • 1st Floor Bedroom,Shower,Storage
  • Flooring: Wood
  • Finished area below ground: 0
  • Finished area above ground: 936

Heating & Cooling

  • Heating features: Wood Stove
  • Cooling features: None

Interior Area

  • Total structure area: 936
  • Total interior livable area: 936 sqft

Kitchen

  • Features: Eat-in Kitchen,Wood Burning Fireplace
  • Level: First

Living Room

  • Level: First

Loft

  • Level: Second

Property

Details

  • Zoning: Residential

Features

  • Patio & porch: Deck
  • Has view: Yes
  • View description: Mountain(s),Scenic,Trees/Woods
  • On waterfront: Yes
  • Waterbody name: Penobscot Bay
  • Frontage length: Waterfrontage: 1288,Waterfrontage Owned: 1288

Lot

  • Lot size: 14 Acres
  • Features: Other,Level,Open Lot,Right of Way,Rolling Slope,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 StormVery High
  • Winter Weather
    Winter WeatherVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Ice Storm
Winter Weather
Coastal Flooding
Lightning
Cold Wave
Hurricane
Tsunami

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 $4,930$59,160
Home Insurance $1,038$12,456
Property Taxes $812$9,744
Electricity $244$2,930
Total$7,024$84,288

Income You'd Need if You Spent...

35% on housing$240,822/yr
40% on housing$210,720/yr
45% on housing$187,306/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: 12.1%
12.1%
0%30.0%
Electricity Growth Rate10-year average: 7.7%
7.7%
0%15.0%
Property Taxes Growth Rate2-year average: 0.4%
0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,042This listing

vs Other Active Listings

Avg $/sqft

ZIP 04848$514
Waldo County$251

vs Homes Sold Last Month

Median $/sqft

ZIP 04848
Waldo County$205

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
2026-04-10Listed for sale$975,000

For Sale by Agent

AgentMichael Kevin Lynch
BrokerageLegacy Properties Sotheby's International Realty

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