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4 Cole Farm Drive, Scarborough, ME, 04074

5beds
5baths
5,554sqft
$3,895,000
$701price/sqft
$26,618/moest. monthly cost
$1,064,720/yrincome needed

About This Home

There's a quiet rhythm to life at 4 Cole Farm Drive--where mornings begin with soft light rising over the water and days unfold in spaces designed as much for gathering as they are for retreat. Set on over two private acres, this custom shingle-style home feels grounded, with ocean views that gently anchor you to place, well appointed living spaces, serene outdoor living, and deeded access to 50 ft of ocean frontage. Inside, natural light fills the home, illuminating the great room and its double-sided stone fireplace, the defining centerpiece of the home. Off the great room on the first floor and off the primary suite on the second floor is a dramatic turret room wrapped in windows that gives the home a storybook coastal feel. Ten-foot ceilings, warm red fir floors, and thoughtfully selected finishes create a sense of understated elegance, while both formal and informal living spaces offer room to come together or spread out. The kitchen is as functional as it is inviting with a generous island, walk-in pantry, and high-end appliances that make everyday living and entertaining feel effortless. Outdoors, the experience continues. The backyard unfolds as a private, tree-lined retreat--designed for long afternoons and unhurried evenings. A three-season porch invites you to stretch the seasons, while the expansive deck, saltwater pool and hot tub, and pool house create a setting that feels equal parts relaxed and refined. As the day winds down, gather around the fire pit or simply take in the stillness of the landscape as it settles into evening. There is an ease to living here--enhanced by modern systems like geothermal heating and cooling--that allows the focus to remain on what matters most: the setting, the light, and the feeling of being exactly where you want to be.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

--
Pleasant Hill SchoolGrades K-22.2 mi
9/10
9/10
Scarborough High SchoolGrades 9-123.1 mi

Construction

Condition

  • Year built: 2015

Materials

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

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Interior Entry,Daylight,Full

Bedroom2

  • Features: Full Bath,Suite
  • Level: Second

Bedroom3

  • Features: Closet
  • Level: Second

Bedroom4

  • Features: Closet
  • Level: Second

Bedroom5

  • Features: Walk-In Closet(s)
  • Level: Third

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Den

  • Level: First

Dining Room

  • Features: Built-in Features,Dining Area,Wood Burning Fireplace
  • Level: First

Family Room

  • Features: Built-in Features,Cathedral Ceiling(s)
  • Level: Second

Features

  • Pantry,Storage,Walk-In Closet(s),Primary Bedroom w/Bath
  • Flooring: Tile,Wood
  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 5,554

Great Room

  • Features: Built-in Features,Wood Burning Fireplace
  • Level: First

Heating & Cooling

  • Heating features: Forced Air,Geothermal,Radiant
  • Cooling features: Central Air

Interior Area

  • Total structure area: 5,554
  • Total interior livable area: 5,554 sqft

Kitchen

  • Features: Eat-in Kitchen,Kitchen Island,Pantry
  • Level: First

Laundry

  • Level: Second

Living Room

  • Level: First

Loft

  • Level: Third

Mud Room

  • Features: Built-in Features,Closet
  • Level: First

Office

  • Level: First

Primary Bedroom

  • Features: Full Bath,Gas Fireplace,Separate Shower,Soaking Tub,Suite,Walk-In Closet(s)
  • Level: Second

Sunroom

  • Features: Cathedral Ceiling(s),Three-Season
  • Level: First

Property

Details

  • Parcel number: SCARMR101L1902
  • Zoning: RF

Features

  • Private pool: Yes
  • Patio & porch: Deck,Patio,Screened
  • Waterbody name: Atlantic Ocean

Lot

  • Lot size: 2.27 Acres
  • Features: Near Country Club,Near Golf Course,Near Public Beach,Neighborhood,Landscaped,Wooded

Parking

  • Total spaces: 3
  • Parking features: Paved,5 - 10 Spaces
  • 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
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Coastal Flooding
Ice Storm
Hail
Hurricane
Lightning
Strong Wind
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 $19,695$236,340
Home Insurance $859$10,308
Property Taxes $5,257$63,084
Electricity $807$9,687
Total$26,618$319,416

Income You'd Need if You Spent...

35% on housing$912,617/yr
40% on housing$798,540/yr
45% on housing$709,813/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

$701This listing

vs Other Active Listings

Avg $/sqft

ZIP 04074$345
Cumberland County$368

vs Homes Sold Last Month

Median $/sqft

ZIP 04074$354
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
2026-04-07Listed for sale$3,950,000

For Sale by Agent

AgentJim McFarlane
BrokeragePortside Real Estate Group

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