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13 Tall Pines Road, Naples, ME, 04055

2beds
1baths
800sqft
$525,000
$656price/sqft
$3,522/moest. monthly cost
$140,880/yrincome needed

About This Home

Your Sebago Lake Getaway Awaits! Experience the Sebago Lake living in this beautifully renovated seasonal home, where comfort, charm, and outdoor recreation come together. Nestled in a peaceful setting, this fully furnished property offers a rare opportunity to enjoy lake life with 40 feet of private boat dock, along with access to a private association sandy beach--truly the best of both worlds. Inside, you'll find a thoughtfully updated interior featuring beautiful wood floors, quality finishes, and a warm, inviting atmosphere. The home offers 2 bedrooms plus a loft area providing additional sleeping space for family and guests. Need even more room? The separate outdoor bunkhouse is a fantastic bonus, complete with two twin beds, air conditioning, and a TV, making it the perfect private retreat for visitors. Step outside to an exceptional covered patio designed for entertaining and relaxing. Enjoy overhead ceiling fans with lighting, outdoor cooking grills, a sink, and plenty of room to gather with family and friends after a day on the lake. Whether you're hosting summer cookouts or unwinding with your morning coffee, this outdoor living space is sure to become your favorite spot. From boating and swimming to peaceful evenings under the stars by the firepit this property is everything lake life should be. The boat and golf cart are negotiable, making it even easier to start enjoying your Sebago Lake lifestyle from day one. Don't miss this incredible opportunity to own your own piece of Sebago Lake paradise!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

--
Songo Locks SchoolGrades PK-23.0 mi
3/10
4/10
Lake Region High SchoolGrades 9-126.7 mi

Construction

Condition

  • Year built: 1938

Materials

  • Foundation: Stone
  • Roof: Shingle
  • Construction materials: Wood Frame,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Crawl Space

Bedroom1

  • Level: First

Bedroom2

  • Level: First

Bedrooms & Bathrooms

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

Features

  • One-Floor Living
  • Flooring: Wood
  • Finished area below ground: 0
  • Finished area above ground: 800

Heating & Cooling

  • Heating features: Wood Stove
  • Cooling features: None

Interior Area

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

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Zoning: SZ

Features

  • Patio & porch: Patio,Porch
  • Has view: Yes
  • View description: Trees/Woods
  • On waterfront: Yes
  • Waterbody name: Sebago lake
  • Frontage length: Waterfrontage: 360,Waterfrontage Shared: 360

Lot

  • Lot size: 3,920 sqft
  • Features: Near Golf Course,Near Public Beach,Near Town,Neighborhood,Other,Rural,Level,Open Lot,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

  • Winter Weather
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Ice Storm
Lightning
Tsunami

FEMA Declared Disasters Across Maine Counties

Flood
Hurricane
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 $2,654$31,848
Home Insurance $183$2,196
Property Taxes $441$5,292
Electricity $244$2,930
Total$3,522$42,264

Income You'd Need if You Spent...

35% on housing$120,754/yr
40% on housing$105,660/yr
45% on housing$93,920/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: 9.5%
9.5%
0%30.0%
Electricity Growth Rate10-year average: 7.7%
7.7%
0%15.0%
Property Taxes Growth Rate2-year average: -0.2%
-0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$656This listing

vs Other Active Listings

Avg $/sqft

ZIP 04055$347
Cumberland County$369

vs Homes Sold Last Month

Median $/sqft

ZIP 04055$310
Cumberland County$317

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
2026-08-04Price change$495,000
2026-07-19Listed for sale$525,000
2020-11-02Listing removed$374,900
2020-09-04Listed for sale$374,900
2020-03-06Sold$195,000

For Sale by Agent

BrokeragePine Tree Realty of Maine

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