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118 Sebascodegan Shores Road, Harpswell, ME, 04079

3beds
2baths
2,401sqft
$1,800,000
$750price/sqft
$10,968/moest. monthly cost
$438,720/yrincome needed

About This Home

Imagine beginning the day with coffee by the water, watching the cove come to life, and deciding whether the morning calls for a boat ride, a paddle, or a walk down to your private dock. The waterfront lifestyle becomes part of everyday life. Inside, the bright, open layout was designed for easy living and gathering. The kitchen features a large center island, generous workspace, and an over-sized pantry. Three bedrooms, two full baths, laundry, and a spacious primary suite are all located on one floor. A modern Tesla solar and battery system, paired with high-efficiency heat pumps, along with energy efficient appliances, helps keep electricity bills nearly nonexistent. A Buderus boiler provides an additional source of heat, while the whole-house generator offers added comfort and peace of mind. The full daylight basement offers another approximately 2,400 square feet with 10-foot ceilings--ideal for vehicles, boat gear, a workshop, home gym, hobbies, storage, or future finished space. The property also includes access to the association landing and an additional 600 feet of shared waterfront. Built in 2023, this single-level home offers 2,400 square feet of comfortable living space on nearly two private acres, with 430 feet of owned waterfront along a protected cove leading to the New Meadows and Casco Bay. Keep the boat at your dock, launch a kayak or paddleboard from your shoreline, fish the cove, or simply sit by the water and watch the tide change. Located at the northern end of Harpswell, this private coastal setting is only about 10 minutes from Brunswick and 50 minutes from Portland. Newer waterfront homes with this much land, a private dock, one-floor living, exceptional storage, and remarkably low energy costs are difficult to find.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

9/10
6/10
Mt Ararat Middle SchoolGrades 6-87.3 mi
4/10
Mt Ararat High SchoolGrades 9-126.9 mi

Construction

Condition

  • Year built: 2023

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: New Englander,Ranch
  • Property subType: Single Family Residence

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Doghouse,Interior Entry,Walk-Out Access,Daylight,Full,Unfinished

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • 1st Floor Primary Bedroom w/Bath,Bathtub,Pantry,Shower,Walk-In Closet(s),Primary Bedroom w/Bath
  • Flooring: Laminate,Luxury Vinyl,Plank
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,401

Heating & Cooling

  • Heating features: Baseboard,Heat Pump,Hot Water
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,401
  • Total interior livable area: 2,401 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Mud Room

  • Level: First

Primary Bedroom

  • Level: First

Property

Accessibility

  • Accessibility features: 36+ Inch Doors

Details

  • Parcel number: HARPM051L063
  • Zoning: SR
  • Other equipment: Generator,Internet Access Available

Features

  • Patio & porch: Deck,Porch
  • Has view: Yes
  • View description: Scenic
  • On waterfront: Yes
  • Waterbody name: Indian Cove, New Meadows, Ocean
  • Frontage length: Waterfrontage: 1030,Waterfrontage Owned: 430,Waterfrontage Shared: 600

Lot

  • Lot size: 1.92 Acres
  • Features: Near Town,Rural,Level,Open Lot,Wooded

Parking

  • Parking features: Gravel,5 - 10 Spaces

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 $9,101$109,212
Home Insurance $548$6,576
Property Taxes $970$11,640
Electricity $349$4,188
Total$10,968$131,616

Income You'd Need if You Spent...

35% on housing$376,045/yr
40% on housing$329,040/yr
45% on housing$292,480/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

$750This listing

vs Other Active Listings

Avg $/sqft

ZIP 04079$370
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)

Price History

DateEventPrice
2026-07-02Listed for sale$1,800,000

For Sale by Agent

BrokerageKeller Williams Realty

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