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4 Cullen Bay Road, Dover, NH, 03820

4beds
3baths
3,896sqft
$1,950,000
$501price/sqft
$13,825/moest. monthly cost
$553,000/yrincome needed

About This Home

At the end of a long winding drive, beyond mature trees and rolling lawns, a remarkable waterfront setting unfolds. Positioned on 5.5 private acres at the confluence of the Salmon Falls and Cocheco Rivers, this exceptional estate occupies one of the most coveted locations in Dover, where three waterways ultimately lead to the Piscataqua River and the Atlantic Ocean beyond. Life here is defined by the water. Mornings begin with sunlight dancing across the river, afternoons are spent cruising from your private deep-water dock and mooring to Portsmouth Harbor or the Isles of Shoals, and evenings bring spectacular sunsets reflected across the ever-changing tidal landscape. The views are dynamic in every season, offering a front-row seat to one of the Seacoast's most captivating natural settings. The classic white brick Colonial is thoughtfully positioned to embrace both privacy and the surrounding beauty. From within, expansive views draw the outdoors in, creating a seamless connection between the home and its extraordinary waterfront environment. The acreage provides a rare sense of seclusion, while the neighborhood itself is among Dover's most exclusive residential enclaves, known for its estate-quality homes and peaceful surroundings.Few properties offer the combination of deep-water access, substantial acreage, privacy, and proximity to the Seacoast's most desirable destinations. Whether departing by boat for an afternoon on the Atlantic, entertaining against a backdrop of river views, or simply enjoying the tranquility of the setting, this is a property that delivers an exceptional waterfront lifestyle. A rare offering where land, water, and location come together in a way that is seldom available and nearly impossible to replicate.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

7/10
Garrison SchoolGrades K-42.1 mi
6/10
Dover Middle SchoolGrades 5-82.7 mi
--
Dover Senior High SchoolGrades 9-122.8 mi

Construction

Condition

  • Year built: 1989

Materials

  • Foundation: Concrete
  • Roof: Asphalt Shingle
  • Construction materials: Wood Frame,Brick Exterior

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Cooktop,Dishwasher,Disposal,Dryer,Microwave,Double Oven,Refrigerator,Trash Compactor,Washer
  • Laundry features: Laundry Hook-ups,1st Floor Laundry

Basement

  • Has basement: Yes
  • Basement: Concrete,Concrete Floor,Full,Interior Access,Basement Stairs,Interior Entry

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Ceiling Fan(s),Dining Area,Kitchen/Dining,Vaulted Ceiling(s),Walk-In Closet(s)
  • Flooring: Carpet,Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: 1 Fireplace
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,896

Heating & Cooling

  • Heating features: Coal,Oil,Forced Air,Zoned
  • Cooling features: Central Air

Interior Area

  • Total structure area: 5,480
  • Total interior livable area: 3,896 sqft

Property

Details

  • Parcel number: DOVRMM0092BFL
  • Zoning description: R-40
  • Other equipment: Standby Generator

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Boat Mooring,Boat Slip/Dock,Dock,Deck,Garden,ROW to Water,Shed,Storage
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterbody name: Cocheco River

Lot

  • Lot size: 5.50 Acres
  • Features: Landscaped,Sloped,Subdivided

Parking

  • Total spaces: 2
  • Parking features: Circular Driveway,Paved,Auto Open,Parking Spaces 1 - 10,Attached
  • 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

  • Coastal Flooding
    Coastal FloodingModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Inland Flooding
Ice Storm
Lightning
Tsunami

FEMA Declared Disasters Across New Hampshire Counties

Flood
Severe Storm
Snowstorm
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 $9,860$118,320
Home Insurance $498$5,976
Property Taxes $2,897$34,764
Electricity $570$6,846
Total$13,825$165,900

Income You'd Need if You Spent...

35% on housing$474,000/yr
40% on housing$414,750/yr
45% on housing$368,666/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: 8.6%
8.6%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$501This listing

vs Other Active Listings

Avg $/sqft

ZIP 03820$334
Strafford County$254

vs Homes Sold Last Month

Median $/sqft

ZIP 03820$323
Strafford County$293

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
2026-07-27Price change$1,950,000
2026-06-02Listed for sale$2,400,000

For Sale by Agent

AgentCaren Logan
BrokerageTate & Foss Sotheby's International Rlty

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