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20 Surf Lane, Kennebunk, ME, 04043

4beds
3baths
2,469sqft
$3,175,000
$1,286price/sqft
$21,748/moest. monthly cost
$869,920/yrincome needed

About This Home

Welcome to your coastal paradise! Nestled just steps away from the pristine sands of Gooch's Beach, this exquisite property offers a rare blend of natural beauty and classic comfort. Boasting a captivating 180-degree view of Gooch's Creek Preserve, this residence provides an unparalleled waterfront experience. As you enter, you are greeted by a seamless open-concept design that effortlessly blends the indoors with the breathtaking outdoor landscape. The expansive windows invite the picturesque views, allowing natural light to fill the home. The living space is extremely versatile with a bright kitchen and dining area featuring soaring ceilings, cozy living room with wood burning fireplace and large screen porch. Truly an ideal setting for your special gatherings. With 4 bedrooms, 2.5 baths, exterior shower/changing room, and gym/office this home provides ample space for all guests! Step outside onto the generous deck, where you'll find yourself immersed in the tranquility of nature. The sweeping lot extends to the river, offering direct access for those who appreciate waterfront activities. Imagine launching a kayak from your backyard or enjoying a leisurely afternoon by the water's edge. From vibrant sunsets reflecting off the creek to the sounds of birdsong in the morning, this home is a sanctuary for those seeking a peaceful escape!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

9/10
Sea Road SchoolGrades 3-52.8 mi
10/10
9/10
Kennebunk High SchoolGrades 9-124.4 mi

Construction

Condition

  • Year built: 1987

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Wall Oven,Washer

Basement

  • Has basement: Yes
  • Basement: Interior Entry,Crawl Space,Unfinished

Bedroom2

  • Features: Closet
  • Level: First
  • Area: 129.3486
  • Dimensions: 11.58 x 11.17

Bedroom3

  • Features: Closet
  • Level: First
  • Area: 135.0536
  • Dimensions: 11.92 x 11.33

Bedroom4

  • Features: Closet
  • Level: First
  • Area: 125.5364
  • Dimensions: 11.08 x 11.33

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: Cathedral Ceiling(s)
  • Level: Second
  • Area: 161.2764
  • Dimensions: 12.33 x 13.08

Features

  • 1st Floor Bedroom,Bathtub,Shower,Storage,Walk-In Closet(s),Primary Bedroom w/Bath
  • Flooring: Carpet,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,469

Heating & Cooling

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

Interior Area

  • Total structure area: 2,469
  • Total interior livable area: 2,469 sqft

Kitchen

  • Features: Cathedral Ceiling(s),Skylight
  • Level: Second
  • Area: 154.105
  • Dimensions: 12.58 x 12.25

Living Room

  • Features: Cathedral Ceiling(s),Skylight,Wood Burning Fireplace
  • Level: Second
  • Area: 396.28360000000004
  • Dimensions: 17.17 x 23.08

Media Room

  • Level: First
  • Area: 177.795
  • Dimensions: 13.5 x 13.17

Primary Bedroom

  • Features: Above Garage,Built-in Features,Full Bath,Skylight,Sunken/Raised
  • Level: Second
  • Area: 421.175
  • Dimensions: 21.25 x 19.82

Sunroom

  • Features: Three-Season
  • Level: Second

Property

Details

  • Parcel number: KENBM092L005
  • Zoning: CR

Features

  • Patio & porch: Deck,Screened
  • Exterior features: Animal Containment System
  • Has view: Yes
  • View description: Scenic
  • On waterfront: Yes
  • Waterbody name: Gooch's Creek/River
  • Frontage length: Waterfrontage: 240,Waterfrontage Owned: 99999

Lot

  • Lot size: 0.74 Acres
  • Features: Irrigation System,Abuts Conservation,Near Golf Course,Near Public Beach,Near Town,Corner Lot,Landscaped

Parking

  • Total spaces: 2
  • Parking features: Paved,5 - 10 Spaces
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Ice Storm
    Ice StormVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Ice Storm
Coastal Flooding
Hurricane
Inland Flooding
Lightning
Winter Weather
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 $16,054$192,648
Home Insurance $734$8,808
Property Taxes $4,602$55,224
Electricity $358$4,306
Total$21,748$260,976

Income You'd Need if You Spent...

35% on housing$745,645/yr
40% on housing$652,440/yr
45% on housing$579,946/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 7.7%
7.7%
0%15.0%
Property Taxes Growth Rate2-year average: -0.5%
-0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,286This listing

vs Other Active Listings

Avg $/sqft

ZIP 04043$391
York County$377

vs Homes Sold Last Month

Median $/sqft

ZIP 04043$363
York County$295

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
2024-05-20Listed for sale$3,595,000
2023-12-31Listing removed--
2023-11-29Listed for sale$3,595,000
2017-06-22Sold$745,000
2017-04-17Listed for sale$750,000
2017-03-17Listing removed$750,000
2017-03-15Listed for sale$750,000
2016-10-18Listing removed$750,000
2016-08-19Listed for sale$750,000
2015-12-17Listing removed$735,000
2015-10-17Price change$735,000
2015-06-19Listed for sale$750,000

For Sale by Agent

AgentElise Wyman
BrokeragePack Maynard and Associates

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