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31 & 37 River Cottage Lane, Orford, NH, 03777

5beds
4baths
3,300sqft
$2,495,000
$756price/sqft
$17,067/moest. monthly cost
$682,680/yrincome needed

About This Home

Some properties are purchased for the house. Others are purchased for the lifestyle they make possible. This remarkable Connecticut River compound offers both with 290 feet of owned waterfront, two beautifully finished year-round residences, 2-car heated garage with finished room above, electric vehicle charging, private docks, protected views, and a level of privacy that is increasingly difficult to find.The beautifully crafted main residence features high-end finishes throughout, an open and light-filled living space, and an expansive wraparound porch perfectly positioned to take in the river and mountain views. The property also includes an additional year-round living cottage, including 1 bedroom and a sleeping loft, fully renovated with its own deck, outdoor shower, patio and fire pit overlooking the water - creating outstanding opportunities for guests, extended family, rental income, or a private compound. Three private docks accommodate a pontoon boat, fishing boat, and jet skis, making it easy to enjoy boating, fishing, kayaking, and swimming right from your property. This turnkey riverfront estate is a truly one-of-a-kind opportunity in the Upper Valley.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

5/10
Rivendell AcademyGrades 6-122.9 mi
--
Piermont Village SchoolGrades PK-82.6 mi

Construction

Condition

  • Year built: 2018

Materials

  • Foundation: Concrete
  • Roof: Architectural Shingle,Standing Seam
  • Construction materials: Wood Frame,Vinyl Siding,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage/Camp,Raised Ranch
  • Property subType: Ranch

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Gas Range,Refrigerator,Washer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Concrete Floor,Finished,Full,Insulated,Storage Space,Walkout,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • 3/4 bathrooms: 4

Features

  • Ceiling Fan(s),Dining Area,Vaulted Ceiling(s)
  • Window features: Screens,Double Pane Windows
  • Flooring: Carpet,Hardwood,Vinyl Plank
  • Finished area below ground: 0
  • Finished area above ground: 3,300

Heating & Cooling

  • Heating features: Heat Pump,Hot Water,Radiant,Gas Stove,Mini Split
  • Cooling features: Attic Fan,Mini Split

Interior Area

  • Total structure area: 3,300
  • Total interior livable area: 3,300 sqft

Property

Details

  • Zoning description: Residential
  • Other equipment: TV Antenna

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio
  • Exterior features: Boat Slip/Dock,Dock,Balcony,Deck,Garden,Private Dock
  • Fencing: Invisible Pet Fence
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Beach Access
  • Waterbody name: Connecticut River
  • Frontage length: Water frontage: 290

Lot

  • Lot size: 1.39 Acres
  • Features: Landscaped,Level,Views,Rural

Parking

  • Total spaces: 2
  • Parking features: Paved,Auto Open,Finished,Heated Garage,Storage Above,Driveway,Parking Spaces 1 - 10,Electric Vehicle Charging Station(s),Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Cold Wave
Ice Storm
Landslide
Lightning

FEMA Declared Disasters Across New Hampshire Counties

Flood
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 $12,616$151,392
Home Insurance $808$9,696
Property Taxes $3,160$37,920
Electricity $483$5,799
Total$17,067$204,804

Income You'd Need if You Spent...

35% on housing$585,154/yr
40% on housing$512,010/yr
45% on housing$455,120/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: 10.8%
10.8%
0%30.0%
Electricity Growth Rate10-year average: 8.6%
8.6%
0%15.0%
Property Taxes Growth Rate2-year average: 2.2%
2.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$756This listing

vs Other Active Listings

Avg $/sqft

ZIP 03777$254
Grafton County$218

vs Homes Sold Last Month

Median $/sqft

ZIP 03777$203
Grafton County$271

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
2026-07-20Price change$2,495,000
2026-07-18Listed for sale$2,459,000

For Sale by Agent

AgentMelissa Robinson
BrokerageColdwell Banker LIFESTYLES - Hanover

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