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3 Gray Road, Harmony, ME, 04942

2beds
1baths
606sqft
$210,000
$347price/sqft
$1,595/moest. monthly cost
$63,800/yrincome needed

About This Home

Charming Maine Cabin Retreat on 13.5 Acres Escape to the heart of Maine with this private 13.5-acre property surrounded by woods and abundant natural beauty. Built in 2018, the modern 510-square-foot cabin offers comfortable year-round living in a peaceful rural setting. The main cabin features a functional kitchen, full bathroom, one bedroom, and an open living area. Constructed on a slab with crawl space access and knee-wall support studs, the home is equipped with a drilled well, septic system, and electric service already in place. Heating is provided by both a cozy wood stove and electric baseboard heat for year-round comfort. Bedroom wood floor finished in June 2026. Just steps away, a separate 96-square-foot camp built in 2005 provides additional versatile space. Complete with its own wood stove and sleeping loft, it's ideal for guests, a home office, studio, or hobby space. Located only 3 miles from the public boat landing on Great Moose Pond, you'll enjoy easy access to boating, fishing, and recreation while maintaining the privacy and tranquility of your own wooded retreat. Whether you're seeking a weekend getaway, hunting camp, investment property, or simple year-round lifestyle, this unique Harmony property offers the perfect blend of comfort, privacy, and outdoor adventure.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

3/10
Harmony Elementary SchoolGrades PK-82.8 mi

Construction

Condition

  • Year built: 2018

Materials

  • Foundation: Slab
  • Roof: Metal,Shingle
  • Construction materials: Wood Frame,Shingle Siding,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Range,Refrigerator

Basement

  • Basement: Crawl Space

Bedroom1

  • Level: First
  • Area: 100
  • Dimensions: 10 x 10

Bedroom2

  • Level: First
  • Area: 96
  • Dimensions: 12 x 8

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • 1st Floor Bedroom,Shower
  • Window features: Double Pane Windows
  • Flooring: Wood
  • Finished area below ground: 0
  • Finished area above ground: 606

Great Room

  • Level: First

Heating & Cooling

  • Heating features: Baseboard,Wood Stove
  • Cooling features: None

Interior Area

  • Total structure area: 606
  • Total interior livable area: 606 sqft

Kitchen

  • Level: First

Property

Details

  • Parcel number: HARM000005000000000041
  • Zoning: Rural

Features

  • Patio & porch: Porch
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 13.51 Acres
  • Features: Rural,Level,Wooded

Parking

  • Parking features: Gravel,1 - 4 Spaces,Off Street

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

  • Cold Wave
    Cold WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hurricane
    HurricaneModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Lightning
Winter Weather
Hurricane

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 $1,061$12,732
Home Insurance $117$1,404
Property Taxes $173$2,076
Electricity $244$2,930
Total$1,595$19,140

Income You'd Need if You Spent...

35% on housing$54,685/yr
40% on housing$47,850/yr
45% on housing$42,533/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: 10.9%
10.9%
0%30.0%
Electricity Growth Rate10-year average: 7.7%
7.7%
0%15.0%
Property Taxes Growth Rate2-year average: -3.0%
-3.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$347This listing

vs Other Active Listings

Avg $/sqft

ZIP 04942$98
Somerset County$140

vs Homes Sold Last Month

Median $/sqft

ZIP 04942
Somerset County$148

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
2026-06-15Listed for sale$210,000

For Sale by Agent

BrokerageRealty of Maine

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