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103 Pine Heath Road, Bar Harbor, ME, 04609

3beds
2baths
1,375sqft
$724,000
$527price/sqft
$4,878/moest. monthly cost
$195,120/yrincome needed

About This Home

LIVE ON MOUNT DESERT ISLAND WHILE YOUR PROPERTY WORKS FOR YOU! Owner-Occupy + Rental Income Opportunity! A rare opportunity on the quiet side of the island, enjoy your own Maine retreat while generating income from the second living space! This well-maintained Carriage House offers a flexible layout ideal for owner occupancy with rental income, multi-generational living, or a smart addition to an investment portfolio. Situated on 2.02 peaceful acres surrounded by nature, this 1,375 sq. ft. home features a spacious 2-bedroom, 1-bath apartment above the garage plus a private 1-bedroom, 1-bath ground-level living area with a 10x20 screened porch for extended seasonal enjoyment. The attached 2-car garage offers additional potential for future living space, and the existing 4-bedroom septic system provides added possibilities for expansion or another structure. Pride of ownership shows with many recent improvements, including a new roof, hot water baseboard heating system, water filtration system, and range within the last three years. Recent updates also include fresh interior paint throughout and newly stained exterior cedar siding. Experience the best of Mount Desert Island living, just minutes from Acadia National Park, Eagle Lake, Echo Lake, and Bar Harbor. This established community has direct access from Pine Heath Road to the Kittredge Brook Forest Trail, one of the largest tracts of open space on Mount Desert Island outside of Acadia National Park. Enjoy the benefits of a paved, town-maintained road and no HOA fees! Whether you're looking for a primary residence with income potential, a family compound, or an investment property in one of Maine's most desirable locations, this property delivers versatility, value, and opportunity rarely found on MDI!Also listed as a residential home MLS #1665960

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

10/10
Conners-Emerson SchoolGrades K-85.3 mi
8/10

Construction

Condition

  • Year built: 1994

Materials

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

Type & Style

  • Home type: MultiFamily
  • Architectural style: Other
  • Property subType: Multi Family

Interior

Bedrooms & Bathrooms

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

Features

  • In-Law Floorplan
  • Flooring: Carpet,Laminate,Tile
  • Finished area below ground: 0
  • Finished area above ground: 1,375

Heating & Cooling

  • Heating features: Baseboard,Hot Water
  • Cooling features: None

Interior Area

  • Total structure area: 1,375
  • Total interior livable area: 1,375 sqft

Property

Details

  • Parcel number: BARHM235L039
  • Zoning: Town Hill Rural

Features

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

Lot

  • Lot size: 2.02 Acres
  • Features: Rural,Landscaped,Wooded

Parking

  • Total spaces: 2
  • Parking features: Gravel,1 - 4 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
  • Lightning
    LightningVery High
  • Winter Weather
    Winter WeatherVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Cold Wave
    Cold WaveRelatively High
  • Hurricane
    HurricaneRelatively High
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Ice Storm
Lightning
Winter Weather
Coastal Flooding
Cold Wave
Hurricane
Tsunami

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 $3,660$43,920
Home Insurance $359$4,308
Property Taxes $615$7,380
Electricity $244$2,930
Total$4,878$58,536

Income You'd Need if You Spent...

35% on housing$167,245/yr
40% on housing$146,340/yr
45% on housing$130,080/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: 10.2%
10.2%
0%30.0%
Electricity Growth Rate10-year average: 7.7%
7.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$527This listing

vs Other Active Listings

Avg $/sqft

ZIP 04609$463
Hancock County$308

vs Homes Sold Last Month

Median $/sqft

ZIP 04609
Hancock County$217

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
2026-06-07Listed for sale$724,000
2025-09-04Listing removed$675,000
2025-08-07Listed for sale$675,000

For Sale by Agent

BrokerageBetter Homes & Gardens Real Estate/The Masiello Group

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