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92 Cottage Shore Drive, Holden, ME, 04429

1beds
1baths
704sqft
$316,000
$449price/sqft
$2,287/moest. monthly cost
$91,480/yrincome needed

About This Home

Tucked along the peaceful shores of Brewer Lake, with access stretching into the scenic waters of Fields Pond, this charming log cabin style ranch offers the kind of escape people spend all year dreaming about. Built in 2021 and thoughtfully designed with a warm, log cabin-inspired interior, this 1-bedroom, 1-bath retreat proves that simplicity can feel incredibly special. Imagine slow mornings with coffee in hand, the lake just steps away, and evenings spent casting for bass, salmon, or pickerel as the sun dips below the trees. With 100 feet of shared water frontage and convenient boat launch access, your days can be as active or as peaceful as you choose, whether that's kayaking through calm waters or cruising into summer sunsets. And here's the timing advantage: March is a perfect time for buyers who seek something like this to make their move. You could be settling in by early May... just in time to enjoy every moment of the Maine summer season. If you've been waiting for the right place to unwind, recharge, and make lasting memories, this cozy lakeside retreat might just be it.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

9/10
Holden SchoolGrades 2-43.9 mi
7/10
Holbrook SchoolGrades 5-85.3 mi
--
Eddington SchoolGrades PK-18.4 mi

Construction

Condition

  • Year built: 2021

Materials

  • Foundation: Slab,Poured Concrete
  • Roof: Metal,Pitched
  • Construction materials: Wood Frame,Log Siding,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Electric Range,Refrigerator,Washer,ENERGY STAR Qualified Appliances

Basement

  • Basement: None

Bedroom1

  • Features: Cathedral Ceiling(s),Closet
  • Level: First

Bedrooms & Bathrooms

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

Features

  • 1st Floor Bedroom,One-Floor Living,Shower,Storage
  • Window features: Double Pane Windows,Low Emissivity Windows
  • Flooring: Laminate,Vinyl,Plank
  • Finished area below ground: 0
  • Finished area above ground: 704

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 704
  • Total interior livable area: 704 sqft

Kitchen

  • Features: Cathedral Ceiling(s),Eat-in Kitchen
  • Level: First

Living Room

  • Features: Cathedral Ceiling(s)
  • Level: First

Property

Accessibility

  • Accessibility features: 32 - 36 Inch Doors,Level Entry

Details

  • Zoning: R3

Features

  • Patio & porch: Patio,Screened
  • Has view: Yes
  • View description: Scenic,Trees/Woods
  • On waterfront: Yes
  • Waterbody name: Brewer Lake
  • Frontage length: Waterfrontage: 100,Waterfrontage Shared: 100

Lot

  • Lot size: 0.44 Acres
  • Features: Rolling Slope,Landscaped,Wooded

Parking

  • Parking features: Gravel,1 - 4 Spaces,On Site

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 WeatherVery High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Ice Storm
Lightning
Cold Wave
Hurricane
Inland Flooding
Strong Wind

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 $1,597$19,164
Home Insurance $154$1,848
Property Taxes $292$3,504
Electricity $244$2,930
Total$2,287$27,444

Income You'd Need if You Spent...

35% on housing$78,411/yr
40% on housing$68,610/yr
45% on housing$60,986/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: 8.1%
8.1%
0%30.0%
Electricity Growth Rate10-year average: 7.7%
7.7%
0%15.0%
Property Taxes Growth Rate2-year average: -1.2%
-1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$449This listing

vs Other Active Listings

Avg $/sqft

ZIP 04429$221
Penobscot County$142

vs Homes Sold Last Month

Median $/sqft

ZIP 04429
Penobscot County$181

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
2026-05-14Price change$316,000
2026-03-20Listed for sale$323,000
2025-11-30Listing removed$325,000
2025-07-07Listed for sale$325,000
2024-06-20Sold$288,000
2024-05-28Pending sale$299,500
2024-05-21Price change$299,500
2024-05-14Price change$319,500
2024-05-10Price change$345,000
2024-05-01Listed for sale$349,900
2016-01-08Listing removed$49,900
2015-08-06Listed for sale$49,900
2015-05-06Listing removed$49,900
2015-04-10Listed for sale$49,900
2014-12-02Listing removed$55,000
2014-07-02Listed for sale$55,000

For Sale by Agent

BrokerageNextHome Experience

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