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146 Federal Street, Wiscasset, ME, 04578

3beds
2baths
990sqft
$355,000
$359price/sqft
$2,412/moest. monthly cost
$96,480/yrincome needed

About This Home

Welcome to 146 Federal Street, where historic Wiscasset charm meets the peace of mind of modern construction. Built in 2022, this beautifully designed ranch offers the benefits of a nearly new home without the wait. From the roof, windows, siding, and mechanical systems to the kitchen, bathrooms, and appliances, everything is just a few years old, allowing you to spend less time on maintenance and more time enjoying your home. Furnishings included - Solid walnut wood wardrobe, Solid dark wood round coffee table, IKEA Patio Umbrella new, LL Bean Canoe with 2 movable seats, 2 life jackets & 2 paddles, Single bed walnut wood with or without mattress, Electric Lawn mower with outdoor container unit, Little Giant Ladder. Designed for easy single-level living, the home features an open layout with a spacious living area, a modern kitchen with pantry, and a utility room with a stackable washer and dryer. The primary suite includes a private en-suite bath, while two additional bedrooms provide space for family, guests, or a home office. An oversized attic and finished concrete crawl space provide exceptional storage. Outside, you'll find one of the property's standout features. It has a beautifully landscaped backyard with mature greenery, flowering plants, and fragrant lilac bushes. Whether you're hosting summer cookouts, gardening, enjoying your morning coffee, or relaxing on the deck, this outdoor space is perfect for making the most of Maine's seasons. Adding even more charm is the custom-built Victorian-style garden cottage, set on an elevated crushed-stone base. It's the perfect place to read, unwind, work on hobbies, or simply enjoy the peaceful surroundings. Located on Federal Street in the heart of historic Wiscasset Village, you're just a short walk or drive from local shops, restaurants, the waterfront, and the world-famous Red's Eats.

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
2/10

Construction

Condition

  • Year built: 2022

Materials

  • Roof: Shingle
  • Construction materials: Other,Vinyl Siding

Type & Style

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

Interior

Basement

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

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 990

Heating & Cooling

  • Heating features: Baseboard
  • Cooling features: None

Interior Area

  • Total structure area: 990
  • Total interior livable area: 990 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Zoning: Residential

Lot

  • Lot size: 0.50 Acres
  • Features: Near Town,Open Lot,Pasture,Rolling Slope

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
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Ice Storm
Winter Weather
Coastal Flooding
Hurricane
Lightning
Cold Wave
Inland Flooding
Strong Wind
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 $1,795$21,540
Home Insurance $122$1,464
Property Taxes $251$3,012
Electricity $244$2,930
Total$2,412$28,944

Income You'd Need if You Spent...

35% on housing$82,697/yr
40% on housing$72,360/yr
45% on housing$64,320/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: 11.5%
11.5%
0%30.0%
Electricity Growth Rate10-year average: 7.7%
7.7%
0%15.0%
Property Taxes Growth Rate2-year average: -3.7%
-3.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$359This listing

vs Other Active Listings

Avg $/sqft

ZIP 04578$342
Lincoln County$348

vs Homes Sold Last Month

Median $/sqft

ZIP 04578
Lincoln County$230

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
2026-08-11Price change$344,000
2026-08-04Price change$349,000
2026-07-23Listed for sale$355,000
2025-06-07Listing removed$334,000
2025-06-05Listed for sale$334,000
2023-06-21Sold$285,000
2023-02-08Listed for sale$225,000
2023-01-27Listing removed--
2022-12-06Price change$225,000
2022-11-19Listed for sale$300,000
2020-02-28Listing removed$179,000
2018-04-06Listed for sale$179,000

For Sale by Agent

AgentPatrick Coughlan
BrokerageReal Broker

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