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4 Union Street, Ellsworth, ME, 04605

6beds
2baths
2,800sqft
$394,000
$141price/sqft
$2,814/moest. monthly cost
$112,560/yrincome needed

About This Home

THE ONE ON THE HILL -- A Corner with Options Perched at the meeting of Union and Main, this property takes in a commanding view over Ellsworth and offers something you don't see every day--true flexibility. Inside, it's currently split into two defined spaces: a three-bedroom, one-bath living area upstairs, and a first-floor layout that's been operating as a medical office. The main level is set up with multiple private rooms, a welcoming sitting area, dedicated office space, and an already-updated bathroom. Upstairs, the residential space is move-in functional as-is, but the real value here is in what this property could become. Thanks to two interior staircases and separate entrances, you've got options: keep it as a live/work setup, convert it to a spacious single-family, create a multi-unit income property, or continue using it as a professional or commercial space. The layout makes it easy to separate or combine areas depending on your vision. The building carries its history well, though it's ready for its next round of improvements. The heavy lifting has started--recent upgrades include a new furnace, newer hot water heater, and the addition of a heat pump for efficiency. Outside, the paved parking is a standout feature for an in-town location, offering convenience for residents, clients, or tenants. And then there's the location--high visibility, easy access, and right where you want to be for downtown Ellsworth and surrounding routes. Whether you're thinking home, business, or investment, this is a property that gives you room to make it your own. Also listed under commercial--explore the possibilities. MLS 1655770

Getting Around

63
WalkingSomewhat Walkable
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

6/10
Ellsworth High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 1968

Materials

  • Roof: Shingle
  • Construction materials: Wood Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Electric Range,Refrigerator,Washer

Basement

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

Bedroom1

  • Level: First

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedroom4

  • Level: Second

Bedroom5

  • Level: Second

Bedroom6

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 2
  • Full bathrooms: 2

Bonus Room

  • Level: First

Features

  • 1st Floor Bedroom,Bathtub,Shower,Storage
  • Flooring: Carpet,Laminate,Vinyl,Wood
  • Finished area below ground: 0
  • Finished area above ground: 2,800

Heating & Cooling

  • Heating features: Heat Pump,Hot Water,Zoned,Radiator
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,800
  • Total interior livable area: 2,800 sqft

Kitchen

  • Level: Second

Laundry

  • Level: Second

Office

  • Level: First

Property

Details

  • Zoning: Neighborhood

Features

  • Levels: Multi/Split
  • Patio & porch: Porch

Lot

  • Lot size: 0.36 Acres
  • Features: Business District,City Lot,Level,Open Lot,Sidewalks

Parking

  • Parking features: Gravel,11 - 20 Spaces,On Site,Off Street

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
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Ice Storm
Winter Weather
Hurricane
Lightning
Coastal Flooding
Cold Wave
Inland Flooding
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 $1,992$23,904
Home Insurance $140$1,680
Property Taxes $275$3,300
Electricity $407$4,884
Total$2,814$33,768

Income You'd Need if You Spent...

35% on housing$96,480/yr
40% on housing$84,420/yr
45% on housing$75,040/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: 10.2%
10.2%
0%30.0%
Electricity Growth Rate10-year average: 7.7%
7.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$141This listing

vs Other Active Listings

Avg $/sqft

ZIP 04605$257
Hancock County$311

vs Homes Sold Last Month

Median $/sqft

ZIP 04605
Hancock County$217

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
2026-04-16Price change$394,000
2026-03-30Listed for sale$399,000
2025-11-04Listing removed$399,000
2025-09-30Price change$399,000
2025-08-27Listed for sale$424,000
2021-03-11Sold$157,500
2020-09-24Listed for sale$189,000

For Sale by Agent

AgentChris Voynik
BrokerageListings Direct

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