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Adam Dow

| The Dow Group | #1 Real Estate Team in New Hampshire

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45 Little Island Rd Unit 45 , Harpswell, ME 04066
$699,000
Est. Payment: $3,606.54/mo
2 Bed
2 Bath
945 Sqft
Status: active | Days on site: 90
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Direct waterfront Condo located on the Maine Coast on Orrs Island, Harpswell, Maine. The five unit condo complex was built in 2014. Enjoy unparalleled, natural, and beautiful ocean views from every window. The residence consists of two bedrooms, en suite, living and dining areas, and a very efficient kitchen area with stainless appliances and granite countertops. Amenities include a common dock, beach area, large deck with expansive living areas, as well as an exclusive roof top deck. Condo fees include all real property insurance, exterior maintenance and private water system. Live carefree. Substantial improvements and updates to the complex have been completed over the past several years. Year round usage in a very convenient location. A truly unique offering. NOTE: The Association has spent the past several years extensively updating and improving the entire common areas, including re-roofing, and the ongoing recladding of all units, which will be completed in Summer 2026. The monthly fees currently include building a reserve fund. For those reasons, the expectation is that the monthly fees will go down in the future; they will continue to cover insurance, the water system and ongoing maintenance. Because the fees are currently somewhat higher than local averages, the seller is offering to prepay the fees for the first 24 months after selling.

Highlights

Listed by Dennis Duggan , 207-522-3747 and Jessica Heagle , 207-400-4718 Legacy Properties Sotheby's International Realty , 207-729-2820. Maine Real Estate Information System, Inc. mls logo

Property Type

Residential

Lot/Acreage
0.7

HOA Fee

1480 Monthly

Year Built

2014

County

Cumberland

Neighborhood

Little Island Cottages Condominium Association

Listing ID

1656006

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Dryer, Microwave, Electric Range, Refrigerator, Washer, Cable,Internet Access Available
Floor:Tile,Wood
Above Ground Sq Ft:945
Below Ground Sq Ft:0
Basement:Not Applicable
Other:1st Floor Bedroom,1st Floor Primary Bedroom w/Bath,Bathtub,One-Floor Living,Shower,Walk-In Closet(s),Primary Bedroom w/Bath
Other:Private,Well

Exterior Features

Lot:Near Public Beach,Subdivided,Level,Open Lot,Right of Way,Landscaped
Zoning:SL
Roof:Composition,Membrane
Others:Beach Rights,Boat Mooring,Common,Deeded,Dock,Oceanfront,Waterfront Deep,Waterfront Tidal
Sewer:Private Sewer,Septic Tank
Parking Features:Common,Gravel,1 - 4 Spaces,On Site
Principal Interest
$3,607
Taxes
$279
HOA
$1,480

Home Price

$699,000

Loan Details

30 yrs
6.695%

Down Payment

20%
$139,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$3,606.54

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,606.54 $279.17 $1,480.00 $5,365.71
Yearly $43,278.48 $3,350.00 $17,760.00 $64,388.48
Total $1,298,354.40 $100,500.00 $532,800.00 $1,931,654.40

Today's Rates

30 Year

6.7%

20 Year

6.21%

15 Year

6.15%

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Market insight data is pulled from the same city as the listing being viewed (Harpswell, ME).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Listing data is derived in whole or in part from the Maine IDX & is for consumers personal, noncommercial use only. Dimensions are approximate and not guaranteed. All data should be independently verified. © 2026 Maine Real Estate Information System, Inc. All Rights Reserved.


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Data last updated: 2026-08-02T07:29:11.000Z

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