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346 Bell Hill Rd, Otisfield, ME, 04270

1beds
1baths
1,500sqft
$640,000
$427price/sqft
$4,182/moest. monthly cost
$167,280/yrincome needed

About This Home

Taking offers now for a spring/summer move in! 16+ acres of beauty and privacy surrounded in nature. Description is in the photos. There is a on demand hot water system- Rinnai. A fulll house load Generac generator that is automatic with power outages and is on automatic yearly service with a local company. It is new construction, earth work started in 2019, building and other essentials done from 2020-2023, and last upgrade of water household filtration done in Nov. 2024. The electric poles are privately owned by owner, so you can run lights and outlets and attach what you want. One pole has a street light for driveway, in total property has 5 dusk to dawn lights with individual switches you can control. Living space has a partition wall with entry door. Insulation is thicker to code and fireproof painted black coating. So many options to expand this building or build a loft. This is a great living and working space. Would also make a great music studio. The outside shower is capable of dual hose hookup to give your furry friends a warm bath. This property is one of a kind, this is a steal! There is also an abundance of raspberry / blackberry bushes There is added underground pipes to connect campers. Every garage door has added seal strips on floor and doors for that draft free seal. The roof vents have critter free protection, eliminating anything getting inside or stuck.This is private property with surveillance cameras. No realtors. Text for more pictures or info for serious inquiries only. By apt. If interested.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

7/10
2/10

Construction

Condition

  • Year built: 2020

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Partially finished

Bedrooms & Bathrooms

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

Features

  • Flooring: Other

Heating & Cooling

  • Heating features: Radiant,Electric,Propane / Butane
  • Cooling features: Refrigerator

Interior Area

  • Total interior livable area: 1,500 sqft

Property

Lot

  • Lot size: 16 sqft

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

How This Home’s Risks Compare

Winter Weather
Cold Wave
Ice Storm
Lightning
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 $3,236$38,832
Home Insurance $238$2,856
Property Taxes $464$5,568
Electricity $244$2,930
Total$4,182$50,184

Income You'd Need if You Spent...

35% on housing$143,382/yr
40% on housing$125,460/yr
45% on housing$111,520/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 7.7%
7.7%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$427This listing

vs Other Active Listings

Avg $/sqft

ZIP 04270$226
Oxford County$225

vs Homes Sold Last Month

Median $/sqft

ZIP 04270
Oxford County$218

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
2026-03-04Price change$690,000
2026-02-10Price change$725,000
2025-10-28Price change$790,000
2025-07-09Listed for sale$990,000

For Sale by Owner

AgentProperty Owner

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