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10 Penny Lane, Lincoln, ME, 04457

4beds
4baths
2,550sqft
$497,000
$195price/sqft
$3,995/moest. monthly cost
$159,800/yrincome needed

About This Home

A high end home at a non-high end home price! This meticulously maintained 4 bedroom home has 11 rooms, 3 1/2 baths, two master suites, all appliances, Jotel propane stove, two laundry hook-ups, central vac, partially finished basement, 3 car attached garage, 24' swimming pool (plus all pool equipment), trampoline, raised beds, heated sidewalk, Wyze doorbell, patio with patio swing, and antique Glenwood wood-burning stove in the garage! Located in Lincoln, known by the locals as Lincoln Lakes (home of 13 bodies of water), is a recreational paradise. It is less than an hour to Bangor to the south and to the north less than an hour to Baxter State Park (and majestic Mt Katahdin) and Katahdin Woods and Waters National Monument. An excursion to the rugged Maine coast is less than a 2 hour drive. This is a must see if you're looking for quality, convenience, a great price, and a complete move in ready home.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

6/10
2/10
Mattanawcook AcademyGrades 9-122.0 mi
4/10
Ella P Burr SchoolGrades PK-31.9 mi

Construction

Condition

  • Year built: 1987

Materials

  • Foundation: Poured Concrete
  • Roof: Metal
  • Construction materials: Wood Frame,Brick,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Gas Range,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Interior Entry,Full,Unfinished

Bedroom1

  • Features: Suite
  • Level: First

Bedroom2

  • Features: Suite
  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Den

  • Level: First

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • 1st Floor Primary Bedroom w/Bath,Bathtub,Pantry,Shower,Storage,Walk-In Closet(s)
  • Door features: Storm Door(s)
  • Window features: Double Pane Windows
  • Flooring: Carpet,Laminate,Wood,Ceramic Tile
  • Finished area below ground: 0
  • Finished area above ground: 2,550

Heating & Cooling

  • Heating features: Baseboard,Heat Pump,Space Heater
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,550
  • Total interior livable area: 2,550 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Mud Room

  • Level: First

Office

  • Level: Second

Property

Accessibility

  • Accessibility features: Level Entry,Roll-in Shower

Details

  • Parcel number: LNCNM126L044
  • Zoning: RESIDENTIAL
  • Other equipment: Internet Access Available

Features

  • Levels: Multi/Split
  • Private pool: Yes
  • Patio & porch: Deck,Porch
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 1.99 Acres
  • Features: Near Golf Course,Near Public Beach,Near Shopping,Near Turnpike/Interstate,Near Town,Neighborhood,Level,Open Lot,Landscaped,Wooded

Parking

  • Total spaces: 3
  • Parking features: Paved,1 - 4 Spaces,Garage Door Opener,Heated Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 $2,513$30,156
Home Insurance $256$3,072
Property Taxes $856$10,272
Electricity $370$4,448
Total$3,995$47,940

Income You'd Need if You Spent...

35% on housing$136,971/yr
40% on housing$119,850/yr
45% on housing$106,533/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

$195This listing

vs Other Active Listings

Avg $/sqft

ZIP 04457$114
Penobscot County$142

vs Homes Sold Last Month

Median $/sqft

ZIP 04457$155
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)

No zestimate history available

Price History

DateEventPrice
2026-07-21Listed for sale$497,000

For Sale by Agent

AgentJohn Walker
BrokerageFirst Choice Real Estate

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