Sebago Lake Homes

Conveniently situated a short drive inland from Portland and Bradbury Mountain State Park, Sebago Lake offers its own state park, views of the White Mountains and sandy beaches. Its properties are beautiful and diverse, providing the best of lake living to meet any needs. Many of these homes are equipped with docks and expansive porches, offering wooded seclusion as well as panoramic lake and mountain views. Scroll down to be awed by these stunning Sebago Lake homes.  Contact us for more information or to schedule a tour.  You can also sign up for an account to start saving your favorite Sebago Lake properties.

6 Riparian Trail Windham ME 04062

Price$1,850,000

Est. Mortgage: $/month

MLS Number 1363445

  • Residential
  • Address 6 Riparian Trail
  • Bedrooms 4
  • Bathroom 4
  • Rooms 13

Maine living on Sebago Lake. Custom-built 2013 modern Contemporary with 101' of waterfront on .95 acres with guest house, sandy beach and shared dock. This thoughtfully designed home provides all amenities needed for entertaining guests and family. Enjoy 3 balconies and dramatic terraced stone patio overlooking panoramic mountain views with exceptional sunsets. Open-concept interior with custom finishes throughout, 4 bedrooms, 4 baths, 5554 sq. ft., 3 fireplaces, central air and walk out basement. Experience boating, fishing, swimming, kayaking and quiet moments on one of Maine's most desirable lakes.

Listed by Legacy Properties Sotheby's International Realty

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Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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15 Wawenock Road Raymond ME 04071

Price$1,245,000

Est. Mortgage: $/month

MLS Number 1356736

  • Residential
  • Address 15 Wawenock Road
  • Bedrooms 4
  • Bathroom 4
  • Rooms 8

With westerly and sunset views across the broadest span of Sebago Lake to the White Mountains of New Hampshire, this classic Maine setting is the perfect escape. With 4.1+/- acres of land and 368+/- feet of waterfrontage, the property features a dock for boating needs and sand/pebble beach for swimming. The year-round, sun filled home with an open floor plan enjoys wonderful privacy and lake views.

Listed by LandVest, Inc.

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Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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113 Egypt Road Road Gray ME 04039

Price$875,000

Est. Mortgage: $/month

MLS Number 1400854

  • Residential
  • Address 113 Egypt Road Road
  • Bedrooms 3
  • Bathroom 5
  • Rooms 5

Stunningly beautiful and private compound. One of a kind rare land listing with small house in need of tearing down or rehab. Beautiful level lot leading to almost 500 ft. of pristine frontage on one of southern Maine's finest lakes. This private and protected beach faces southwest and is perfect for views!!Ample outdoor recreation on the property including fishing for bass, brown trout and rainbow trout. Native brook trout stream borders this land. Eagles, loons, deer and owls are common visitors. This land provides a state game preserve and creates a haven of safety for wildlife, pets and people during hunting season. 1300 acres that abut this land is state wildlife management........open for hunting, fishing, hiking, horseback riding or cross country skiing. A listing like this does not come up often. Call for details.

Listed by Judy George Realty

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Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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25 Whites Point Annex Standish ME 04084

Price$795,000

Est. Mortgage: $/month

Pending

MLS Number 1401872

  • Residential
  • Bedrooms 3
  • Bathroom 2
  • Rooms 6
  • Acreage 1.1

Beautiful waterfront year-round home on Sebago Lake. Great for swimming and other water activities for all ages. Amazing views of Sebago Lake sunsets and distant Mount Washington. Private beach and dock. Quiet dead end road with friendly neighbors. Very close to North Windham Village shopping and a short commute to Portland.

Listed by The Real Estate Store

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Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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59 Crockett Road Raymond ME 04071

Price$725,000

Est. Mortgage: $/month

MLS Number 1403558

  • Residential
  • Address 59 Crockett Road
  • Bedrooms 2
  • Bathroom 1
  • Rooms 5

Chance to own the best sandy beach on Big Sebago. Level lot,sun all day ,beautiful sunsets. The waterfront is all yours with this year round ranch.Easy commute great location.

Listed by www.EntryOnly.com

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Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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152 Hearthside Road Standish ME 04084

Price$499,900

Est. Mortgage: $/month

MLS Number 1402256

  • Residential
  • Address 152 Hearthside Road
  • Bedrooms 3
  • Bathroom 4
  • Rooms 10

Unique find-the perfect combination of Suburban/lakeside living. Nestled on the south east shore of big Sebago in desirable private neighborhood abutting St. Joe's College. Only 30 mins to Portland and 7 mins to in-town Windham. Home offers water views and less than a 30 second diagonal walk to the 300' private sandy association beach. A private boat mooring is included. Relax and appreciate the most sensational sunsets.Endless year round recreating options at your doorstep or simply retreat to the privacy of your backyard nuzzled in evergreens while enjoying the abundance of wildlife and chiming of church bells on the hour from any of your three outdoor living spaces. Complimenting the location, space awaits in this 4000 sq ft home. Offering 3 bedrooms, 3 1/2 baths, bonus canopy room for use as home office or guest-room, living, kitchen w/nook, formal dining, laundry, sun room & mud room. Basement has been finished creating an in-law suite. 2 car attached garage w/overhead loft.

Listed by Keller Williams Realty

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Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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2 Spider View Road Sebago ME 04029

Price$499,900

Est. Mortgage: $/month

MLS Number 1404524

  • Residential
  • Address 2 Spider View Road
  • Location Rural
  • Bedrooms 3
  • Bathroom 4

Watch the sunrise over Sebago Lake from your screened porch. This spacious Cape has something for everybody. Huge great room, office, over-sized warm basement, a cooks kitchen with attached pantry. Enjoy a large, private front yard with covered porch. All of this only steps away from a shared dock with only one neighbor, and two moorings.

Listed by Coldwell Banker Residential Brokerage

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Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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455 Ramsdell Road Gray ME 04039

Price$374,900

Est. Mortgage: $/month

MLS Number 1403965

  • Residential
  • Address 455 Ramsdell Road
  • Bedrooms 3
  • Bathroom 3
  • Rooms 5

New Construction Colonial 3 Bedroom 2.5 Bathroom home sitting on a beautiful 2 acres in the heart of Little Sebago Lake region. Conveniently located just 10 minutes from I95 and 30 Minutes to Portland. Open concept, high end kitchen & gorgeous hardwood floors are just a few of many features. This brand new home offers privacy yet accessibility to everything this beautiful area offers. Construction is 100% complete and ready for a new owner.

Listed by Townsend Real Estate

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Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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39 Heather Lane Windham ME 04062

Price$370,000

Est. Mortgage: $/month

MLS Number 1404685

  • Residential
  • Address 39 Heather Lane
  • Bedrooms 3
  • Bathroom 3
  • Rooms 10

Big Sebago Lake Access and 700 ft of shared water frontage. Don't miss this stunning contemporary home in desirable Windermere neighborhood. The home offers a spacious felxibile floor plan, wood floors, crisp white kitchen with new appliances, a huge bonus room over the garage, theres even a sun room with a hot tub leading to a deck overlooking a private wooded back yard. Meticulously maintained and in like new condition. Nothing to do here but to move right in and enjoy the seasons on the lake in this very special home.

Listed by Keller Williams Realty

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$/month over payments
Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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11 Clover Lane Windham ME 04062

Price$369,900

Est. Mortgage: $/month

Pending

MLS Number 1373771

  • Condominium
  • Address 11 Clover Lane
  • Bathroom 4
  • Bedrooms 2
  • Acreage 0.17

Contemporary townhouse with views of Sebago Lake. Enjoy the backyard patio, shared sandy beach frontage. Boat slip and dock available. This condominium has a beautiful new kitchen and a bright, open floor plan. Many recent updates including kitchen, new baths, flooring, oversized sliding glass door, roof, paint inside & out, water heater, and heat pump. Working fireplace in living room. Leave the yard work to the grounds crew so you have more time to enjoy all that Sebago Lake has to offer!

Listed by The Real Estate Store

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$/month over payments
Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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1326 Deer Run Run Casco ME 04015

Price$349,000

Est. Mortgage: $/month

MLS Number 1375975

  • Residential
  • Address 1326 Deer Run Run
  • Bedrooms 2
  • Bathroom 2
  • Rooms 6

Built in 2015, this four season vacation home is located on the first fairway and also has views of conservation land. This home is move-in-ready and features many extras such as hardwood floors throughout, granite counters, gas fireplace, upgraded appliances, storm doors, custom privacy blinds and a heated garage with an electric golf cart. The three season room looks out onto a large deck with views of the fairway. Play a round on our award winning 18 hole golf course or cruise the blue waters of Big Sebago lake.

Listed by Point Sebago Realty

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Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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1300 Deer Run Run Casco ME 04015

Price$339,000

Est. Mortgage: $/month

MLS Number 1370815

  • Residential
  • Address 1300 Deer Run Run
  • Bedrooms 2
  • Bathroom 2
  • Rooms 6

A perfect four season vacation home with many extra features. Access to sebago lake, beautiful beaches and lots of activities at point sebago. Home comes partially furnished with a two car garage near the first fairway.

Listed by Point Sebago Realty

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Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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92 Wards Cove Road Standish ME 04084

Price$299,876

Est. Mortgage: $/month

Pending

MLS Number 1367650

  • Residential
  • Address 92 Wards Cove Road
  • Bedrooms 2
  • Bathroom 2
  • Rooms 4

Brand New year round home with full basement Start living the dream! Beautiful brand new home with energy efficient heat pumps for the ideal seasonal temperature! Come with deeded access to Sebago Lake for boating, swimming and fishing in all seasons! Convenient to the ski slopes as well. The yard is fenced in with a firepit to relax and enjoy the evening hours! Open floor plan with a butlers kitchen space. Don't wait to call this HOME! Comes with a generator as well.

Listed by Demetria's Team - The Real Estate Group

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Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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1874 Ridge Road Road Frye Island ME 04071

Price$288,888

Est. Mortgage: $/month

MLS Number 1400043

  • Residential
  • Address 1874 Ridge Road Road
  • Bedrooms 3
  • Bathroom 2
  • Rooms 8

With seasonal water views and a short distance from sandy Rec beach on the East(mooring here transfers), this commanding Colonial 30' x 32',built in 2003, has many low maintenance features and tons of living space. Vinyl sided, 2 large composite decks (water side), shed, invisible dog fence, kayak rack,gardens,stone fire pit and a newly added 10.5 x 25' screened porch w pine T&G. The interior has 10' ceilings, open concept, with Brazilian cherry floors and a 3 sided gas fireplace. The main floor has a wall of windows letting in tons of light, a fully equipped kitchen, 3/4 bath w W/D. On the second floor there are 3 bedrooms, (the MBR has is ready for a new owner to finish into additional living space (approx. 700sf). Being sold partially furnished and includes a golf cart.FIRST RIGHT of REFUSAL to equity marina slip #35 @ $26,500!!!!

Listed by Sunset Lakes Real Estate

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Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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1939 Independence Way Frye Island ME 04071

MLS Number 1370857

  • Residential
  • Bedrooms 3
  • Bathroom 1
  • Rooms 6
  • Acreage 0.5

Set high on a knoll, surrounded by rock wall rocks, a wonderful presence from the road with terrific curb appeal. Very nice hard scape. This picturesque log sided cottage is 36' x 24' (1350sf) with a Farmers porch on 2 sides - 10' x 36' + 10' x 24' for additional living space. In addition, a 12 x 20 log sided out building for all your storage needs including the golf cart that conveys with sale. Tons of parking & privacy. Enter to pine tongue and groove throughout, vaulted living & dining room with kitchen adjacent and access to large wrap around porch. Maine floor large master and full bath w electric BB. Two bedrooms up, both with deck access. NEW Laminate floors installed throughout. Ceiling fans in most rooms. Ceiling & walls insulated. Includes golf cart, sold partially furnished.

Listed by Sunset Lakes Real Estate

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$/month over payments
Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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1275 Highland Circle Frye Island ME 04106

Price$239,000

Est. Mortgage: $/month

MLS Number 1362789

  • Residential
  • Address 1275 Highland Circle
  • Bedrooms 3
  • Bathroom 2
  • Rooms 6

Well designed Gambrel, near the pool, tennis/pickle ball courts, beaches and golf course.The main floor consists of a LR, dining area, kitchen, full bath and bedroom with oak flooring throughout. Upstairs has 2 nice sized bedrooms and a full bath. Room controlled electric baseboard. With 3 decks there are lot's of places to enjoy the wooded, in a cul de sac, location. Corner lot with 288' of road frontage and a full/walk out basement w W/D. Sold furnished and includes a 1997 Club Car golf cart.New septic system installed 2015. Located a short distance from all the amenities Frye has to offer, come and enjoy the fall season.

Listed by Sunset Lakes Real Estate

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$/month over payments
Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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79 Smooth Ledge Road Standish ME 04084

Price$229,900

Est. Mortgage: $/month

Pending

MLS Number 1404408

  • Residential
  • Address 79 Smooth Ledge Road
  • Location Rural
  • Bedrooms 1
  • Bathroom 1

Well maintained cottage with 15' of sandy beach frontage . Sit on the large deck and enjoy the Sebago Lake views. Close proximity to Boaters Beach.

Listed by Allied Real Estate

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Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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1552 Harbor Road Frye Island ME 04071

Price$229,000

Est. Mortgage: $/month

MLS Number 1365138

  • Residential
  • Address 1552 Harbor Road
  • Bedrooms 3
  • Bathroom 3
  • Rooms 7

Quintessential log cabin just 4 houses away from Beach 9 on the west. The cabin is 26' x 36' with a covered porch of 9' x 36'. Town land abuts this property. Anderson windows throughout -- green. The septic system is installed. Partially finished on the interior BUT most of the building supplies (pine tongue and grove) are on site, inside the cottage, and will convey with sale.Large living room space 18'6" x 14'. Maine floor master w en suite bath. Three bedrooms with loft that can easily convert to additional sleep space. 2.5 baths. Farmers porch. Wonderful opportunity to put your finishing touches on this cottage which is in a great location! Buy now, be in by the fall/spring. Full foundation 4' frost wall. Builder will complete property including appliances for $289,900 Marina slip option available!!!!

Listed by Sunset Lakes Real Estate

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$/month over payments
Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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Sebago ME 04029

Price$189,000

Est. Mortgage: $/month

MLS Number 1359149

  • Land
  • Acreage 83.42

83 acres of wooded land offering 180 degree clear views of Sebago lake. Shared 1,200 foot road is built and power extended. More private driveway and power needed to get to your build site but all worth it when you see the views. Taxes to be determined. No longer in tree growth but someone could put it back in if they want. We have management plan. More land available.

Listed by Better Homes & Gardens Real Estate/The Masiello Group

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Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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16 Leander Lane Casco ME 04015

Price$179,900

Est. Mortgage: $/month

MLS Number 1401011

  • Land
  • Address 16 Leander Lane
  • Acreage 3.79

This private, large wooded building lot sits near the water's edge on peaceful Kettle Cove in Sebago Lake. Gravel driveway and level lot get you steps closer to building your dream home! Deeded boat slip is included. Get started today so you can boat all summer on Sebago Lake, and dock your boat within steps of your back door!

Listed by Maine Real Estate Choice

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$/month over payments
Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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Lot 7A Stoney Crest Way Sebago ME 04029

Price$179,000

Est. Mortgage: $/month

MLS Number 1370793

  • Land
  • Acreage 48.44

Large wooded lot with frontage on a newly installed private road. Numerous build locations with potential views. Huge two story barn in very nice shape comes with the land. Some restrictions. Taxes to be determined. Town beach on Sebago Lake as well as a boat launch.

Listed by Better Homes & Gardens Real Estate/The Masiello Group

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$/month over payments
Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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Lot 16 Tarkiln Hill Road Raymond ME 04071

Price$145,000

Est. Mortgage: $/month

MLS Number 1376020

  • Land
  • Acreage 1.56

High end neighborhood between Panther Pond and Little Sebago with majestic views of Sebago Lake. Ready to build your dream home or perfect family getaway? Large lot with unobstructed views of Rolling Mountains and Sebago Lake. Location offers easy access to multiple options for boating and fishing in summer, and skiing, ice fishing and snowmobiling in winter.

Listed by Keller Williams Realty

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$
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$/month over payments
Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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52 Whites Bridge Road Windham ME 04062

Price$139,000

Est. Mortgage: $/month

Pending

MLS Number 1402535

  • Condominium
  • Bathroom 2
  • Bedrooms 2
  • Square Feet 1000

Well maintained 2 bedroom, 1.5 bath townhouse style condo with exposed beams, cathedral ceilings and sky lights in the bedrooms. Full daylight walkout basement allows for plenty of room for storage, workout room or the potential for additional living space. Newer deck off the back offering a nice view for relaxing Minutes from downtown WIndham with easy access to the lakes. Only 20 minutes to Portland. Great walking trails just out your door.No Showings until Saturday 1/19

Listed by Regency Realty Group

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$/month over payments
Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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21 Linnell Road Windham ME 04062

Price$135,000

Est. Mortgage: $/month

Pending

MLS Number 1351536

  • Land
  • Address 21 Linnell Road
  • Acreage 2.97

What a convenient location near all the amenities of North Windham. Close to BIG SEBAGO lake, Shopping and a straight shot to Portland,Naples,and Standish! The lot is fully engineered and surveyed with build window identified. Linnell Rd is paved with water! This lot has access to all the wonderful Mineral Springs amenities! The Beach and launch on Big Sebago....

Listed by Coldwell Banker Team Real Estate

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$/month over payments
Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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32 Garland Road Casco ME 04015

Price$130,000

Est. Mortgage: $/month

MLS Number 1400463

  • Residential
  • Address 32 Garland Road
  • Bedrooms 2
  • Bathroom 1
  • Rooms 5

Cozy 2 bedroom seasonal camp with Right of Way to big Sebago! Enjoy views from the garage rooftop deck or relax in the sunny enclosed porch. Enjoy the private beach access just steps away! Many updates completed including new windows, vinyl siding, and updated bathroom. Add your finishing touches and enjoy many summers to come! Possibility of purchasing a dock slip as well.

Listed by Better Homes & Gardens Real Estate/The Masiello Group

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$
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$/month over payments
Federal 30-year interest rate: 4.37% last updated on Feb 14, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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Listing data is derived in whole or in part from the Maine IDX & is for consumers' personal, non commercial use only. Dimensions are approximate and not guaranteed. All data should be independently verified. ©2019 Maine Real Estate Information System, Inc. All Rights Reserved. equal opportunity housing logo   Privacy Policy

Flynn and Company Real Estate | Portland Maine Real Estate participates in MREIS' Maine Internet Data Exchange (Maine IDX) program, allowing us to display other Maine IDX Participants' listings. This website does not display complete listings. Certain listings of other real estate brokerage firms have been excluded. Mortgage figures are estimates. Check with your bank or proposed mortgage company for actual interest rates. This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.