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25 Bernier Lane, Harpswell, ME, 04079

2beds
1baths
848sqft
$635,000
$749price/sqft
$3,986/moest. monthly cost
$159,440/yrincome needed

About This Home

Opportunities like this on Quahog Bay don't come around often. This charming 2-bedroom seasonal cottage sits on .43 acres with 165 feet of deep water frontage, a private dock, and a deep water mooring -- offering direct access to the open ocean and everything the bay has to offer. Quahog Bay is truly special -- known for its calm waters, island-dotted views, and incredible access to the open Atlantic. Whether you're out on the boat, kayaking to a nearby island, casting a line, or simply watching the tide roll in, this bay has a way of making every day feel like a getaway. Wake up to stunning sunrise views from two covered porches overlooking the bay and surrounding islands. At just under 900 square feet, this cottage is cozy by design, with a lower level bunk room, covered porch, and storage space rounding out the layout. The property has seen a number of improvements over the years and is ready for the right buyer to bring their vision and truly make it shine. Harpswell has a little bit of everything -- fresh seafood at Cook's Lobster or The Dolphin, hiking trails along the water, kayak tours, and that unhurried coastal pace that's honestly hard to find anywhere else. When you need a little more, Brunswick is just 10-15 minutes away with grocery stores, shops, and dining. Portland and the Jetport are under an hour, and Route 1 puts the entire Maine coast at your fingertips. Waterfront properties on Quahog Bay with this kind of frontage and deep water access are rare. Don't let this one pass you by!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

9/10
6/10
Mt Ararat Middle SchoolGrades 6-89.8 mi
4/10
Mt Ararat High SchoolGrades 9-129.3 mi

Construction

Condition

  • Year built: 1995

Materials

  • Roof: Metal
  • Construction materials: Wood Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Refrigerator

Basement

  • Basement: None

Bedroom1

  • Level: Second

Bedroom2

  • Features: Balcony/Deck
  • Level: First

Bedrooms & Bathrooms

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

Features

  • 1st Floor Bedroom,Shower
  • Flooring: Laminate,Vinyl,Wood
  • Finished area below ground: 272
  • Finished area above ground: 576

Great Room

  • Level: Second

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total structure area: 848
  • Total interior livable area: 848 sqft

Property

Details

  • Parcel number: HARPM046L066
  • Zoning: CF1

Features

  • Patio & porch: Patio,Porch
  • Has view: Yes
  • View description: Scenic
  • On waterfront: Yes
  • Waterbody name: Quahog Bay
  • Frontage length: Waterfrontage: 165,Waterfrontage Owned: 165

Lot

  • Lot size: 0.43 Acres
  • Features: Open Lot,Right of Way,Wooded

Parking

  • Parking features: Gravel,Other,5 - 10 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 $3,210$38,520
Home Insurance $193$2,316
Property Taxes $339$4,068
Electricity $244$2,930
Total$3,986$47,832

Income You'd Need if You Spent...

35% on housing$136,662/yr
40% on housing$119,580/yr
45% on housing$106,293/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

$749This listing

vs Other Active Listings

Avg $/sqft

ZIP 04079$404
Cumberland County$368

vs Homes Sold Last Month

Median $/sqft

ZIP 04079$470
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)

No zestimate history available

Price History

DateEventPrice
2026-04-13Listed for sale$680,000
2025-12-01Listing removed$749,900
2025-05-31Price change$749,900
2024-11-09Listed for sale$800,000

For Sale by Agent

AgentHearth & Key Realty
BrokerageHearth & Key Realty

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