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45 Little Island Road #45, Harpswell, ME, 04066

2beds
2baths
945sqft
$699,000
$740price/sqft
$4,556/moest. monthly cost
$182,240/yrincome needed

About This Home

Direct waterfront Condo located on the Maine Coast on Orrs Island, Harpswell, Maine. The five unit condo complex was built in 2014. Enjoy unparalleled, natural, and beautiful ocean views from every window. The residence consists of two bedrooms, en suite, living and dining areas, and a very efficient kitchen area with stainless appliances and granite countertops. Amenities include a common dock, beach area, large deck with expansive living areas, as well as an exclusive roof top deck. Condo fees include all real property insurance, exterior maintenance, private water system, and all repairs. Live carefree. Substantial improvements and updates to the complex have been completed over the past several years. Year round usage in a very convenient location. A truly unique offering.

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

9/10
6/10
Mt Ararat Middle SchoolGrades 6-813.2 mi
4/10
Mt Ararat High SchoolGrades 9-1212.8 mi

Construction

Condition

  • Year built: 2014

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition,Membrane
  • Construction materials: Wood Frame,Composition

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: None,Other

Bedroom2

  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • 1st Floor Bedroom,1st Floor Primary Bedroom w/Bath,Bathtub,One-Floor Living,Shower,Walk-In Closet(s),Primary Bedroom w/Bath
  • Flooring: Tile,Wood
  • Finished area below ground: 0
  • Finished area above ground: 945

Heating & Cooling

  • Heating features: Direct Vent Heater
  • Cooling features: None

Interior Area

  • Total structure area: 945
  • Total interior livable area: 945 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Level: First

Property

Accessibility

  • Accessibility features: 32 - 36 Inch Doors

Details

  • Zoning: SL

Features

  • Patio & porch: Deck,Porch
  • Has view: Yes
  • View description: Scenic
  • On waterfront: Yes
  • Waterbody name: Lowells Cove
  • Frontage length: Waterfrontage: 600,Waterfrontage Shared: 600

Lot

  • Lot size: 0.70 Acres
  • Features: Near Public Beach,Level,Open Lot,Right of Way,Landscaped

Parking

  • Parking features: Common,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
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Coastal Flooding
Hurricane
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 $3,534$42,408
Home Insurance $190$2,280
Property Taxes $588$7,056
Electricity $244$2,930
Total$4,556$54,672

Income You'd Need if You Spent...

35% on housing$156,205/yr
40% on housing$136,680/yr
45% on housing$121,493/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

$740This listing

vs Other Active Listings

Avg $/sqft

ZIP 04066$492
Cumberland County$368

vs Homes Sold Last Month

Median $/sqft

ZIP 04066$375
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
2026-04-01Listed for sale$729,000
2025-11-19Listing removed$729,000
2025-10-10Listed for sale$729,000
2021-09-03Sold$525,000

For Sale by Agent

AgentDennis Duggan
BrokerageLegacy Properties Sotheby's International Realty

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