Harpswell, ME
Cumberland County43.7995°N, 69.9877°W
Tracking 5,220 properties across Harpswell, Maine — a community where the median home dates to 1978 and the oldest to 1742. Every parcel mapped with building characteristics, environmental exposure, hazard risk, and ownership history assembled from 140+ sources.
5,220
Properties Tracked
1978
Median Year Built
$339K
Median Assessed Value
11%
FEMA Flood Zone
1.22M
NEP Data Facts Tracked
71%
Coastal Zone
Click any parcel to view intelligence
Harpswell, MEInc. 1758
Harpswell is a coastal town composed of peninsulas and islands extending into Casco Bay — a geography that gives it more coastline per land area than almost any town in Maine. The housing stock ranges from fishing-village properties to seasonal cottages to year-round waterfront homes.
For property professionals, Harpswell is a coastal market where virtually every property has some relationship to the ocean, and the island/peninsula geography creates distinct sub-markets accessible only by bridge or boat.
Risk Profile
FEMA flood zones, fire protection grades, radon, coastal exposure, storm surge — parcel by parcel
FEMA Flood Zones
564 properties (11%) are in FEMA Special Flood Hazard Areas, where flood insurance is required for federally-backed mortgages.
X
4,656
VE
401
AE
152
AO
11
Fire Protection Grades
Fire protection grades reflect proximity to fire stations and hydrant infrastructure. Grade affects insurance pricing in every New England state.
Grade B
21
Grade C
188
Grade D
1,924
Grade E
3,087
Coastal & Water Exposure
3,685 properties (71%) are within 3 miles of the ocean. 3,212 are classified as waterfront. The closest property is 0 ft from the coastline.
2,410
SLR 1 ft
Properties affected
2,580
SLR 3 ft
Properties affected
2,663
SLR 6 ft
Properties affected
1,510
Surge Exposure
Cat 1/2/3/4
1,623
Marine
Waterfront
1,122
Estuary
Waterfront
184
Pond
Waterfront
Zone 2
Radon Risk
112 mph
Design Wind Speed
ASCE 7 standard
50 psf
Ground Snow Load
ASCE 7 standard
Relatively Low
FEMA Risk Index
NRI composite rating
The Property Landscape
5,220 properties · Median year built 1978 · Avg 899 sf
Property Types
Single Family
3,798
Institutional
1,091
Other
119
Multi-Family
114
Residential Other
49
Agricultural / Open Space
26
Industrial
17
Commercial
5
Three-Family
1
Construction by Era
Pre-1800
18
1800-1849
35
1850-1899
121
1900-1949
328
1950-1979
591
1980-1999
650
2000+
380
Living in Harpswell
Cumberland County · Maine
Zip Codes040030406604079
5,031
Population
2020 Census
5,220
Properties
$339K
Median Assessed
2%
Owner-Occupied
24.1
Square Miles
Harpswell covers 24.1 square miles in Cumberland County, Maine. The median assessed property value is $339K.
Single-family homes account for 3,798 of Harpswell's 5,220 properties and 115 multi-family buildings. About 2% of properties are owner-occupied, and 22% are owned by someone out of state.
Assessed values range widely — the middle 50% of properties fall between $225K and $517K, with the highest assessed property at $6.3M. For professionals working in this market, the value spread tells you a lot about what you'll encounter door to door.
Most properties rely on private septic systems, and 1% have public water service. Electric service is provided by CENTRAL MAINE POWER CO.
What Harpswell Property Intelligence Means for Professionals
Insurance & Underwriting
With 11% of properties in FEMA flood zones and 71% in the coastal zone, Harpswell concentrates several major underwriting variables. Parcel-level hazard data provides the granularity that ZIP-level aggregation misses.
Insurance solutionsReal Estate & Appraisal
Harpswell's 9 property types, spanning construction from 1742 to present, require local market knowledge for accurate comparable selection and valuation. NEP assembles building characteristics, environmental exposure, and condition signals into a single property profile.
Real estate solutionsLending & Title
Collateral assessment requires flood zone verification, environmental screening, and ownership chain validation. 11% of Harpswell properties are in SFHAs where flood insurance is a federal lending requirement. NEP provides property-level compliance data from public records.
Lending solutionsInspection & Property Services
Understanding a property's construction era, environmental exposure, and building characteristics before arriving on site transforms inspection from discovery to verification.
Inspection solutionsExplore Harpswell property intelligence.
5,220 Harpswell properties — each with risk profiles, building data, permit history, and ownership analysis from 140+ sources. Open any property and see the full picture.
Newburyport, MA · Federalist · 3,524 sq ft · 4 bed / 3 bath · Built 1800 · Historic District
NEP Property Intelligence Summary
ConditionC1Fire ClassBFlood ZoneXOwnerIndividualOccupancyOwner-Occupied
Purchased2018 (8yr)Permits11 totalSystems3 updatedLiensClearAssessed$1.6MOcean0.3 mi
EraPre-1940HistoricDesignatedRenovationRecentRadonZone 1
Cite this data
Source: NE Provenance, “Professional Property Intelligence for New England,” neprovenance.com/insights/town/harpswell-me. For references or attribution, please link back to this page or neprovenance.com. Thank you, we appreciate it.