More families are buying together

By Lisa DiBiase

The Lakes Region has a long tradition of multi-generational gatherings built right into its history. The camp on the lake with the grandmother’s bedroom on the first floor and the cousins taking over the screened porch; most people around here know that setup.

The Maine camp, the family cottage on the water, the big old farmhouse sitting on a few acres outside of town. These are places that were always designed, in some sense, for more than one household to use. The difference we’re seeing in today’s market is that buyers want year-round setups, not just summer spots, and they’re coming to the Lakes Region specifically to find it.

The National Association of Realtors reported that 14 percent of home purchases in 2025 were multi-generational, and industry data suggests that close to one in five American households now include multiple generations under one roof. Gen X buyers, people in their mid-forties to early sixties, are leading this trend, and they’re not looking for just a seasonal gathering space.

They want a year-round setup and they’re thinking through the logistics the way you would place a small household's day-to-day operations. The Lakes Region properties that fit this tend to be the older camps and cottages that have been added onto over the decades, the farmhouses with a few outbuildings that could be converted into living spaces, or newer builds with finished lower levels and separate entries.

This also means they’re asking us different questions during showings. Does the garage have plumbing roughed in? Is there a separate entrance on that side of the house? Could the walk-out basement be finished into an apartment? How far is the second structure from the main?

Maine’s state law now makes this more workable than it used to be. Under legislation that has taken effect over the past couple of years, any single-family property in Maine can have at least one accessory dwelling unit added by right, meaning you do not need a special permit or a rezoning to build it, just standard building permits. That has changed the math for many buyers looking at a property and dreaming about what it could become. A two-acre lot in Windham, Raymond, or Casco that might have seemed too limited before now looks a whole lot better when you know you can build a second unit.

The properties I tend to show families who are buying together share a few features. Enough square footage or enough land that people genuinely have privacy when they want it. Separate entrances or the structural potential for them. Layouts where the kitchen and living spaces do not run through each other. And in the Lakes Region, specifically, access to the water or trails, because a shared experience is why people are choosing to purchase multi-unit spaces.

I want to be clear, though: this kind of purchase requires more upfront conversation than a typical real estate transaction. There are things to work through around how the mortgage is structured, how the deed is titled, and what happens to the property if circumstances change. None of that is insurmountable, and I work buyers through it all, but it is not a simple single-buyer purchase, and planning ahead makes all the difference. 

If this sounds like something your family has been looking for or talking about for years, we would love to join the conversation. The Lakes Region offers more options for this style of living, and Maine's legal landscape has never been more favorable for making it work.

As I have said before, please call a local REALTOR for all your real estate needs no matter how big or small. We are trained professionals here to make your life easier. It's best to surround yourself with the right team of professionals that can continuously give you the right advice for all your circumstances.

This article was brought to you by Lisa DiBiase, Broker/Co-Owner of Landing Real Estate. Lisa and her team proudly represent buyers and sellers across the Greater Portland, Lakes Region, and beyond. For all your real estate needs, contact Lisa at [email protected] or call (207) 775-SOLD. <

Buying a home with solar panels

By Nicole Foster, Broker/REALTOR

The installation of residential solar panels has grown significantly over the past decade, as the technology has continued to improve while the cost of solar energy has declined. At the same time, rising electricity costs have made the potential for long-term energy savings an increasingly appealing reason for homeowners to consider going solar.

Owning a home with solar panels can offer several benefits, including the potential to reduce your energy bills, lower greenhouse gas emissions, and provide greater energy independence.

If you're considering buying a home with solar panels, you’ll need to understand the system and how it works. Not all solar systems are the same, and details such as the age and condition of the panels, system size, expected energy production, warranties, and maintenance requirements are all important considerations. Just as importantly, you’ll want to understand how the system was purchased or financed.

Whether the panels are owned outright, financed through a solar loan, leased, or covered by a power purchase agreement (PPA) can have a significant impact on the purchase of the home, and the obligations that may transfer to you as the new homeowner. Understanding these details can help you determine whether the home—and its solar energy system – is the right fit for you and your financing.

As of early 2026, marketplace data from EnergySage suggests that the typical U.S. home solar shopper is looking at a system of about 12 kilowatts (kW), with an average installed cost of roughly $30,500 before incentives. The actual cost of a solar system can vary considerably depending on factors such as location, roof size and condition, equipment, and local labor costs.

Find out when the solar system was installed and how its age compares with the age and expected remaining life of the roof. Residential solar panels typically last 20 to 25 years, so it is important to consider whether the roof will need repairs or replacement before the solar system reaches the end of its useful life. The installation company can provide valuable information about the age of the system, its maintenance history, and the terms of the original purchase or financing agreement. If the original installer is no longer in business, find out the manufacturer and model of the solar panels and inverter(s). You may be able to contact the manufacturer directly for information about the equipment and any applicable warranties. You can also contact a qualified local solar installer to find out whether they are familiar with the equipment and can inspect the system to ensure it is functioning properly.

A third-party owned system may require additional steps to assume ownership or to transfer the contract. It is important to address these details early in the transaction, or before making an offer, to avoid delays or unexpected issues at closing. Ask the current homeowners about existing warranties and check that the paperwork is up to date. Contact the manufacturer to learn about any maintenance needs. Your lender will need to review any contractual agreements tied to the solar panels. If the seller prepays the solar lease, an invoice or other documentation showing that the lease has been paid in full should be provided.

If the seller will not be pre-paying the lease, documentation from the solar company confirming that the lease can be transferred to the buyer will likely be required by your lender. If the homeowner bought the system outright or under a loan, the ownership should convey with the property. Sellers who own their system outright are in the best position when it comes to selling their solar-equipped home. According to Fannie Mae appraisal guidelines, the ownership and financing structure of a solar panel system are important factors in determining how the panels are treated in a real estate transaction. 

Depending on the arrangement, the system may be owned by a third party, considered the homeowner's personal property or be treated as a fixture to the real estate. Understanding how the system is owned and financed can therefore be important when determining what is included with the property and how the solar panels should be considered in the appraisal.

As a REALTOR®, I am seeing this scenario with increasing regularity in our marketplace as more and more homes become equipped with solar energy systems. As solar becomes a more common feature of residential properties, it is increasingly important for both buyers and sellers to understand how these systems are owned, financed, and transferred as part of a real estate transaction.

Nicole Foster is a real estate broker with over 20 years of experience helping buyers, sellers and investors in Southern Maine who loves real estate and people. Follow Nicole at @207nicolefoster or facebook.com/sellingmaine. <

Maine’s Real Estate Market Update: What Buyers and Sellers Need to Know This Fall

By The Libby Starnes Team, Signature Homes Real Estate Group

As summer winds down and we head into the fall real estate market, Maine’s housing landscape continues to evolve. While the market has become more balanced compared to the intense seller-driven conditions of recent years, demand remains strong in many areas. For buyers and sellers considering a move this fall, understanding the changing market – and preparing accordingly – can make all the difference.

A More Balanced Market Heading Into Fall

After several years of historically low inventory and intense competition, Maine’s real estate market is showing signs of greater balance. Buyers are seeing more opportunities than they did in previous years, while sellers continue to benefit from strong demand for well-priced, well-maintained homes.

Fall often brings a natural shift in the market. Some buyers who have been searching throughout the summer become more motivated to make a move before the end of the year, while some sellers who’ve waited through the spring and summer decide that fall is the right time to list.

The result? A market where preparation, pricing, and presentation matter more than ever.

Southern Maine Continues to Attract Buyers

Demand remains particularly strong throughout Southern Maine, including Cumberland and York counties. Communities such as Windham, Gorham, Standish, and surrounding areas continue to appeal to buyers looking for a combination of convenience, community, outdoor recreation, and access to Portland.

As families settle into new routines with the start of the school year and buyers reassess their housing needs, homes in desirable school districts and convenient locations are likely to remain highly sought after.

The Lakes Region also continues to attract attention, particularly for waterfront and seasonal properties. Homes on Sebago Lake, Little Sebago, and nearby waterways can remain appealing well into the fall, especially when they are updated, well-maintained, and positioned to showcase their year-round or recreational value.

What Could Drive Buyer Activity This Fall?

Mortgage rates will continue to play an important role in buyer behavior. Even modest changes in rates can influence affordability and bring additional buyers into the market.

At the same time, many buyers have adjusted to the reality of today's borrowing environment. Maine's lifestyle appeal, limited rental inventory, and continued interest from people relocating from out of state are helping support demand.

We also continue to see buyers drawn to Maine for remote-work flexibility, a desire for a slower pace of life, outdoor recreation, and the opportunity to put down roots in communities they love.

For motivated buyers, fall can also present an opportunity to find sellers who are serious about completing a transaction before winter.

What Sellers Should Know This Fall

If you're considering selling this fall, pricing strategically will be especially important.

The days of simply putting a home on the market and expecting multiple offers regardless of condition are not necessarily representative of today's market. Buyers have more choices and are paying close attention to value.

Homes that are clean, well-maintained, appropriately priced, and professionally marketed can still generate significant interest.

Before listing, sellers should consider:

● Completing small repairs and cosmetic improvements.

● Decluttering and preparing the home for professional photography.

● Investing in professional staging when appropriate.

● Having important systems and maintenance items addressed.

● Considering a pre-listing inspection.

● Providing clear disclosures and documentation. 

● Creating a strong digital marketing strategy across Zillow, Instagram, Facebook, and other platforms.

Fall also offers a unique marketing opportunity. The changing leaves, cozy interiors, fireplaces, and seasonal character of a Maine home can help create an emotional connection with buyers – when presented thoughtfully.

Advice for Fall Buyers

For buyers, preparation remains key.

Having a mortgage pre-approval, understanding your budget, and knowing which features are truly must-haves can help you move quickly when the right property comes along.

While some segments of the market may experience longer days on market or price adjustments, desirable homes that are priced correctly can still attract multiple offers.

Buyers may also find opportunities by looking beyond move-in-ready properties. A home that needs fresh paint, updated flooring, landscaping, or other cosmetic improvements could provide an opportunity to purchase in a desirable location while adding value over time.

And don't overlook the advantages of working with a local real estate professional who understands the nuances of Maine's communities and neighborhoods.

Fall Is a Season of Opportunity

The fall market may look different from the fast-paced spring and summer seasons, but that doesn't mean the opportunities disappear.

For sellers, fall can be an excellent time to reach motivated buyers who are ready to make a move. For buyers, it can provide opportunities to negotiate, explore homes that may have been overlooked during the busier summer months, and potentially find sellers who are motivated to close before the holiday season.

As we move toward the end of the year, mortgage rates, inventory, buyer demand, and economic conditions will continue to shape the market. The key for both buyers and sellers is to stay informed and make decisions based on their individual goals – not simply headlines about the market.

Looking Ahead

The Maine real estate market continues to evolve, but one thing remains consistent: local knowledge matters. 

Whether you're thinking about buying, selling, relocating, downsizing, upsizing, or simply wondering what your home might be worth in today's market, having a knowledgeable local team by your side can help you navigate the process with confidence. 

At The Libby Starnes Team, Signature Homes Real Estate Group, we're in the market every day. We're here to help you understand current trends, evaluate your options, and create a strategy that fits your goals.

Thinking about making a move this fall? Let's talk.

For more market updates, current listings, or to schedule a consultation, visit www.libbystarnesteamhomes.com or follow The Libby Starnes Team on social media. <

Are buyers pumping the brakes?

By Matt Trudel

Summer is winding down unfortunately. Labor Day is upon us, kids are heading back to school and the nights are more refreshing. This is the time of year when buyers who haven’t pulled the trigger and put a home under contract begin to wonder if maybe they should hold off this year. Then they wonder if they should just pull the trigger on a home that might not be the perfect home, but one that will be good enough for a little while.

There are quite a few factors that play into this decision and let’s find out which ones are factual and have a solid foundation to stand on like the home they want.

First, we should start with inventory and are there enough available homes on the market to fill the demand from all the buyers who are out there looking to purchase a new home to call their own. Right now, there are approximately 50 or more single family homes currently on the market for sale, and just about as many are under contract. If we add in all the condos that are for sale and the other 90 to 100 that are about to hit the market in the next month, I feel we all can agree that there is plenty of inventory on the market.

Unlike earlier this year, when inventory was tight, that is not an issue right now for buyers. Buyers are in complete control when it comes to looking at homes, and they have plenty of options available to them. We can all agree that inventory is not an issue in today’s current real estate market.

Second, interest rates definitely affect the real estate market and slowed the market down considerably earlier this year. Rates were up around 7.5 percent and that limits the amount a buyer can spend on a house. Buyers end up qualifying for a lower purchase price and that reduces the size and qualities of a home they can purchase. Rates are down from that currently and are hovering around 6.5 percent for a 30-year fixed mortgage.

You can get closer to 6 percent with some programs right now. This is not comparable to our ultimate lows we saw a few years ago near 3 percent, but 6 to 6.5 percent is not a bad rate. As realtors we always try to remind buyers that you date the rate and marry the house. You can always refinance to a lower rate down the road. I think we should be able to agree that the current interest rates are not slowing the market greatly or deterring buyers from making the move to buy a home.

Third, but not last, is the rental market and how that market has skyrocketed and just seems to have pushed beyond limits that a few years ago seemed unobtainable. I feel we have all personally seen how rents have just gone up and up over the past four to five years. For some people renting is a better option for many reasons that we don’t need to get into.

It may not make sense to many folks why people rent rather than purchase a home when buying a home is a better financial move than renting. I would like to just raise the point that the current rental market is at all-time highs and is not discouraging buyers from purchasing a property because it is less expensive or cheaper to rent than purchase a home.

What is slowing the market down if we have ruled out these things? It is the time of year and that alone which is really the only thing slowing the market down. This is the time of year when the market just starts to slow down. The market is just starting to show those signs of buyers rethinking their plans for the winter, the holidays, and if maybe next year will be a better opportunity for them personally.

Next will be the sellers near the end of October and early November. Sellers often don’t want their home on the market for the holidays such as Thanksgiving and Christmas. Houses just don’t show as well during the winter, and sellers do not want to move when it is snowing, and the temperature is below freezing.

This is the basic trend year after year. Buyers and sellers should be prepared and adjust accordingly.

Buyers should continue to be on the lookout for homes as they come on the market because sellers tend to reduce prices and are more flexible as winter approaches.

Sellers should really have their homes in the best shape possible and have realistic ideas of their value. Having a broker with a lot of experience regardless of you being a buyer or seller is key. Reach out to Five Star Star Realty if you would like to discuss your specific scenario.

This article was written by Matthew Trudel, Owner, Broker Five Star Realty, Windham, 207-939-6971. <

Why staging your home could be the smartest move you make before selling

By Theresa Bouchard

When homeowners decide to sell, most of the attention goes to price, curb appeal, and finding the right agent. But industry data increasingly points to a factor that gets overlooked far too often: staging. What was once considered a luxury reserved for high-end listings has become a mainstream strategy that can mean the difference between a home that lingers on the market and one that sells quickly, at a higher price.

Theresa Bouchard of TS Staging & Design says
staging is a strategic process intended to help
buyers connect with a home and visualize 
themselves living there.
SUBMITTED PHOTO  

Staging is often misunderstood as simply "making a house look nice." In reality, it's a strategic process designed to help buyers emotionally connect with a space and visualize themselves living there. A staged home tells a story, presenting each room as comfortable yet functional, highlighting architectural characteristics, and minimizing distractions like clutter, outdated features, imperfections, or overly personalized decor.

According to the National Association of Realtors' (NAR) Profile of Home Staging report, most buyers' agents say that staging a home makes it easier for buyers to visualize the property as their future home. The same report has consistently found that a significant share of sellers' agents believe staging increases the dollar value buyers are willing to offer, with many estimating gains ranging from 1 percent to 5 percent of the sale price. On a $400,000 home, even a conservative 1 percent bump translates into thousands of dollars – often far exceeding the cost of staging itself.

Time on market is another critical piece of the puzzle. NAR data has repeatedly shown that staged homes tend to sell faster than comparable nonstaged properties. In a competitive housing market, shaving even a few weeks off the selling timeline can save sellers money on carrying costs like mortgage payments, utilities, and taxes – not to mention the psychological toll of an extended sale process.

The Real Estate Staging Association (RESA), a leading voice in the professional staging industry, has published research reinforcing these findings. RESA's studies have found that staged homes often sell significantly faster than non-staged homes, and that the return on investment for professional staging services can be substantial, frequently cited in the range of several hundred percent when comparing staging costs to the increased sale price and reduced carrying costs.

RESA has also emphasized that staging isn't just about aesthetics; it's about marketing. In a digital-first world where a vast majority of buyers begin their home search online, listing photos are often a home's first impression. A poorly presented, cluttered, or awkwardly furnished room can cause potential buyers to scroll past a listing before ever scheduling a showing. Staged homes photograph better, generate more online engagement, and typically result in more in-person showings.

Buying a home is one of the largest financial and emotional decisions most people make. Staging taps into buyer psychology by removing "friction points." Empty rooms can feel cold and lack a welcoming sense of comfort, personal photos and memorabilia can make it hard for buyers to imagine themselves in the space and poor furniture placement can make rooms look smaller than they actually are. Professional stagers use scale-appropriate furniture arranged to elevate the room, strategic lighting, and neutral yet warm color palettes to help every space feel purposeful and inviting.

Staging also helps address one of the most common buyer objections: the inability to visualize their own belongings in the home. Buyers often wonder whether their furniture will even fit a given space. When a home is staged, they spend less mental energy trying to "edit out" clutter and more time appreciating square footage, natural light, and the flow between rooms. They see a turn-key and move-in-ready home – and an offer follows.

Sellers sometimes hesitate to invest in staging because of upfront costs, but the data suggests that skipping staging can be the costlier choice. Homes that sit on the market longer often require price reductions, and buyers frequently interpret a stale listing as a red flag, leaving them to wonder if something is wrong with the property. In many cases, the cost of a price reduction far outweighs what a full staging package would cost from the outset.

Given the stakes, more sellers are turning to professional staging companies to maximize their results. One such company making an impact in the industry is TS Staging and Design, known for helping homeowners transform their properties into market-ready showpieces. TS Staging and Design works closely with sellers and real estate agents to create tailored staging plans that highlight a home's best features while appealing to the broadest possible pool of buyers.

From full-service furniture staging to consultations on decluttering, paint colors, and minor updates that yield the biggest visual impact, TS Staging and Design brings a trained eye and industry insight to every project. Their approach reflects exactly what NAR and RESA data suggest: that thoughtful, professional staging isn't an expense – it's an investment that pays dividends in both speed and sale price.

For homeowners preparing to list their property, the message from the data is clear: staging matters. Whether working with a full-service company or making smaller strategic updates, presenting a home at its absolute best can be the difference between an offer that meets expectations and one that falls short.

If you’re preparing to sell your home or simply planning a refresh, TS Staging and Design is here to help. This year’s Eagle Choice Award winner for Interior Design/Home Staging, TS Staging and Design is located at 630 Roosevelt Trail, Unit 2, in Windham. Its local home staging and interior design team would be delighted to assist with any project that comes your way. We welcome the opportunity to bring out the best in your home and help you take the next step with confidence. Contact Theresa at 207-400-9393. <

Buying a Condo: Is It Right for You in 2026?

By Carrie Colby

Deciding between a condo and a single-family home is one of the biggest choices you’ll make as a homebuyer. For first-time buyers especially, the decision involves more than comparing purchase prices. Your budget, lifestyle, maintenance preferences, long-term plans, and desire for privacy can all influence which type of home is the better fit.

In 2026, condos remain an appealing option for buyers who want the benefits of homeownership with less day-to-day maintenance. They can be particularly attractive to busy professionals, first-time buyers, downsizers, and anyone who wants access to shared amenities without the responsibility of maintaining an entire property.

Single-family homes, meanwhile, generally offer more privacy, space, and control over your property – but they also come with greater responsibility for maintenance and repairs.

So, which is right for you? Let’s explore the advantages and potential drawbacks of condo living and compare them with the benefits and responsibilities of owning a single-family home.

What Is a Condo?

A condominium, commonly called a condo, is an individually owned home within a larger building or residential community. When you purchase a condo, you own your individual unit while sharing ownership of, or responsibility for, common areas with other residents.

Shared spaces may include hallways, elevators, landscaping, parking areas, swimming pools, fitness centers, clubhouses, and other amenities.

Unlike an apartment, which you typically rent from a landlord, a condo is a property you own. Condo owners generally pay monthly homeowners association (HOA) or condominium association fees to help cover the maintenance and operation of shared areas and community services.

Condos can take several forms. They may be individual units in high-rise or low-rise buildings or attached townhouse-style properties within a larger residential community.

Benefits of Buying a Condo

For the right buyer, a condo can provide many of the advantages of homeownership while reducing some of the responsibilities that come with owning a detached house.

1. Less Maintenance

One of the biggest advantages of condo living is convenience.

With a single-family home, you are generally responsible for everything from mowing the lawn and clearing snow to arranging exterior repairs and maintaining the roof. With a condo, many of these responsibilities may be handled by the association.

Depending on the community and its governing documents, association fees may help cover landscaping, snow removal, exterior maintenance, common-area repairs, and other services.

This can be especially appealing if you have a demanding job, travel frequently, prefer not to perform home maintenance or simply want to spend less of your free time dealing with property upkeep.

Condos can also appeal to buyers who want to remain in their homes as they age. Features such as elevators, accessible layouts, nearby neighbors, and professionally maintained common areas may make condo living more convenient over time.

2. Potentially Lower Purchase Price

Condos are often less expensive to purchase than comparable single-family homes, although prices can vary significantly depending on location, building, size, condition, and amenities.

A lower purchase price can make a condo an attractive entry point for first-time buyers who may find single-family homes outside their budget.

However, buyers should look beyond the purchase price. Monthly association fees, property taxes, insurance, utilities, and potential special assessments can all affect the true cost of owning a condo.

3. Access to Shared Amenities

Many condo communities offer amenities that could be expensive or impractical for an individual homeowner to maintain.

Depending on the development, these may include:
Swimming pools
Fitness centers
Clubhouses
Outdoor recreation areas
Security features
Landscaped grounds
Parking facilities

Instead of maintaining these amenities yourself, you generally share the cost with other owners through association fees.

4. Community and Convenience

Condo communities can make it easier to meet neighbors and build a sense of community. Shared spaces and organized activities may provide opportunities for social interaction, which can be particularly valuable for people who live alone or are downsizing.

Condos may also be located closer to restaurants, shopping, public transportation, entertainment, and employment centers, depending on the community.

For some buyers, being able to live in a desirable location may be just as important as the size of the property itself.

Is a Condo Right for You?

A condo may be a good fit if you:
Want a potentially lower purchase price
Prefer less exterior maintenance
Want access to shared amenities
Travel frequently or have a busy schedule
Prefer living close to neighbors and community spaces
Want features such as elevators or professionally maintained grounds
Are comfortable paying association fees and following community rules

Before buying, however, it’s important to look beyond the features of the individual unit. The financial health and rules of the condo association can have a significant impact on your ownership experience.

Are the Condo Association’s Finances Healthy?

Review the association’s budget, reserve funds, insurance coverage, meeting minutes, and history of assessments before purchasing.

A condo with an attractive purchase price can become considerably more expensive if the association has inadequate reserves or faces major upcoming repairs.

What Are My Plans for the Next Several Years?

Think about how your life may change after you buy.

Do you expect to start a family, relocate for work, work remotely, travel frequently, or eventually rent out the property? Association rules and local regulations may affect what you can do with the property, so it’s important to understand those restrictions before making an offer.

How Important Is Location?

A condo may allow you to buy in a desirable neighborhood where a comparable single-family home would be considerably more expensive.

If proximity to work, restaurants, shopping, public transportation, entertainment, or other amenities is a priority, a condo could offer a practical way to live closer to the places you value most.

Condo vs. Single-Family Home: What Should You Consider?

The choice ultimately comes down to your priorities.

A condo may make more sense if you value convenience, shared amenities, lower-maintenance living, and access to desirable locations. A single-family home may be a better fit if you prioritize privacy, additional space, outdoor areas, and greater control over your property.

Neither option is automatically better. The right choice depends on your finances, lifestyle and plans for the future.

The Bottom Line

Condos can offer convenience, shared amenities, community, and potentially lower upfront costs. At the same time, buyers need to account for association fees, community rules, shared responsibilities, and the possibility of special assessments.

For first-time buyers in 2026, the smartest approach is to compare the total cost of ownership, not simply the listing price. Evaluate your finances, inspect the property carefully, review condo or HOA documents when applicable, and consider how your needs may change in the years ahead.

The right home isn’t necessarily the one that costs the least or offers the most space. It’s the one that best matches the way you want, and can afford, to live.

Carrie Colby is a Broker with Allied Real Estate, 909 Roosevelt Trail in Windham. She can be reached at 207-232-5497. <

Trees, Neighbors, and Responsibility: What Every Mainer Should Know

By Tricia Zwirner

Maine is known for its beautiful forests, towering pines, colorful maples and tree-lined neighborhoods. Trees provide shade, privacy, wildlife habitat and undeniable beauty. They also come with responsibilities – especially when they stand near property lines.

As insurance professionals, one of the more common questions we receive is, “Who is responsible if my neighbor’s tree falls on my property?” The answer isn’t always as straightforward as many people expect.

The good news is that Maine law, combined with homeowner’s insurance, provides a practical framework for handling most situations.

Healthy Trees vs. Hazardous Trees

One of the biggest misconceptions is that the owner of a tree is automatically responsible for any damage it causes. In reality, responsibility often depends on the condition of the tree and whether the owner knew – or reasonably should have known – that it posed a danger.

If a healthy tree falls during a severe windstorm or heavy snow event, it is generally considered an “act of nature.” In those cases, each property owner is typically responsible for the damage to their own property through their homeowner’s insurance.

For example, if your neighbor’s healthy pine tree is blown onto your garage during a nor’easter, your own homeowner’s insurance would generally cover the damage to your garage, subject to your deductible.

However, the situation changes if the tree was clearly dead, diseased, leaning dangerously, or otherwise posed an obvious hazard that had been ignored. If it can be shown that the tree owner knew about the dangerous condition and failed to address it, they could potentially be held responsible for resulting damages.

Don’t Ignore Warning Signs

Large dead branches, significant decay, hollow trunks, mushroom growth around the base, major cracks, or a noticeable lean may all indicate a tree should be evaluated by a qualified arborist.

If you notice a neighbor’s tree appears hazardous and could threaten your home, it’s worth having a friendly conversation. Most people appreciate being made aware of a potential safety concern.

If you’re the tree owner, taking concerns seriously can help protect both your property and your neighbors. A professional inspection may provide peace of mind – or identify a problem before it becomes an expensive one.

What About Branches Hanging Over My Yard?

In Maine, property owners generally have the right to trim branches or roots that extend onto their property, provided the trimming is done only up to the property line and does not unnecessarily damage or kill the tree.

If significant trimming is needed, especially on a large or valuable tree, discussing the work with your neighbor beforehand is always a good idea. A little communication often prevents misunderstandings.

Document Concerns

If you believe a neighboring tree presents a genuine hazard, it’s wise to document your concerns. Take photographs, note any obvious signs of deterioration, and communicate politely in writing if necessary.

Documentation isn’t about creating conflict—it’s simply a way to establish that a concern was raised should problems arise later.

Likewise, if someone expresses concern about one of your trees, don’t dismiss it. Having the tree evaluated and keeping records of any inspection or maintenance demonstrates responsible ownership.

Insurance Plays an Important Role 

Homeowners insurance typically covers sudden and accidental damage from falling trees when they strike a covered structure, regardless of whose property the tree originated from. Coverage may also include removal of the tree under certain circumstances, although policy limits and conditions vary.

Insurance generally does not cover the cost of removing a tree simply because it’s dead or because you’re worried it might fall someday. Preventive maintenance remains the homeowner’s responsibility.

It’s also worth remembering that deductibles apply. In some situations involving relatively minor damage, the repair costs may not exceed the deductible, making it more practical to handle the repairs without filing a claim.

Prevention Is Always Less Expensive

One of the best investments homeowners can make is periodic property maintenance. Walk your property a few times each year especially after major storms. Look for damaged limbs, leaning trees, exposed roots, or signs of disease.

Hiring a qualified tree service to remove a hazardous tree is almost always less expensive than repairing a damaged roof, vehicle, fence, or garage – not to mention the potential for injuries.

Living in Maine means enjoying the benefits of our incredible trees while respecting the responsibilities that come with them. Most disputes can be avoided through routine maintenance, neighborly communication, and understanding how insurance works.

A little prevention today can save thousands of dollars – and preserve good relationships with the people living next door.

Tricia Zwirner is a State Farm agent in Windham. She and her team would love to hear from you and can be reached via phone and text at 207-892-2864 or via email at [email protected]. <

Indispensable summer home maintenance tips

Compiled by Jonathan Priest

As the sun shines bright and warm, summer brings with it a perfect opportunity to bask in the outdoors and enjoy the season to its fullest. However, amidst the joyous moments, it's essential not to neglect your most valuable asset, which is your home.

Naturally, the summer months call for specific maintenance to safeguard your abode from the harsh elements and potential issues that may arise during this season.

Here are 15 indispensable summer home maintenance tips to ensure your residence remains a cool and comfortable haven throughout the sun-kissed days.

Summer Home Maintenance Tips

Ensure your home is ready for summer with these 15 essential maintenance tips to protect, preserve, and enhance your property naturally.

Inspect and Clean the Roof

Conduct a thorough inspection of your roof to look for loose or damaged shingles, cracks, or signs of wear. Addressing these issues promptly can prevent leaks and water damage during heavy summer rains. Cleaning any accumulated debris, such as leaves or branches, from the roof will also help maintain its integrity and prevent clogged gutters.

Clear Gutters and Downspouts

Clogged gutters can lead to water overflow, causing damage to your home's foundation and siding. Regularly clear out gutters and downspouts to ensure proper water flow and avoid potential water-related problems.

 

Check Air Conditioning System

Keeping your air conditioner clean is essential for a comfortable and energy-efficient living environment. As the temperature rises, your AC system works harder, making regular maintenance a must. Clean or replace air filters regularly to maintain optimal airflow and energy efficiency.

 
Seal Cracks and Gaps

Inspect the exterior of your home for any cracks or gaps around windows, doors, and walls. Sealing these openings will help keep cool air inside and prevent warm air from infiltrating your home, reducing energy consumption and keeping pesky insects out.

Inspect and Clean Outdoor HVAC Units

Outdoor HVAC units/heat pumps can accumulate dirt, leaves, and debris, affecting their efficiency. Cleaning the units and keeping the surrounding area clear will ensure proper airflow and help your system run smoothly throughout the summer.

Service Lawn Equipment

Before the peak of summer lawn care, make sure your lawn mower, trimmer, and other equipment are in good working condition. Sharpen blades and replace worn-out parts for safe and efficient operation.

Trim Trees and Shrubs

Overgrown branches can become a hazard during summer storms, potentially causing damage to your home or property. Trim trees and shrubs away from your home's exterior to prevent such risks.

Test Sprinkler Systems

Inspect and test your sprinkler system to ensure that all areas of your lawn and garden receive adequate water coverage. Adjust the sprinkler heads as needed to avoid water wastage and promote healthy plant growth.

Clean and Stain Decking

Summer weather can take a toll on wooden decking, leading to rot and discoloration. Regularly cleaning and applying a fresh coat of stain or sealant will protect the wood from the sun's UV rays and moisture, prolonging its life.

Inspect and Repair Fences

Sturdy and well-maintained fences enhance both privacy and security around your property. Inspect for loose boards or damaged sections and repair or replace them promptly.

Inspect Outdoor Lighting

Adequate outdoor lighting enhances safety and security around your home. Clean outdoor light fixtures, replace any burnt-out bulbs and ensure that pathways, entrances, and backyards are well-illuminated during the evenings.

Check and Clean Chimney

For homes with fireplaces, inspecting and cleaning the chimney is essential. Removing debris, such as leaves or bird nests, and scheduling a professional cleaning can prevent potential fire hazards and ensure proper ventilation.

Inspect Window Screens

Window screens act as a barrier against bugs while allowing fresh air to circulate indoors. Check for tears or damage in window screens and repair or replace them to keep insects out and maintain good indoor air quality.

Clean Outdoor Furniture

Summer is the perfect time for outdoor gatherings and relaxation. Clean and freshen up your outdoor furniture, including cushions and umbrellas, to create a comfortable and inviting outdoor space.

Monitor Humidity Levels

High humidity levels during summer can lead to mold growth and create an uncomfortable living environment. Use a dehumidifier if necessary and ensure proper ventilation to keep humidity levels in check.

By diligently following these summer home maintenance tips, you can proactively protect your home, create a comfortable living space, and enjoy the season without any unnecessary worries about potential issues or repairs. Regular maintenance not only saves you money in the long run but also ensures that your home remains a welcoming oasis for you and your family throughout the summer months.

This article was brought to you courtesy of Farmers Insurance agent Jonathan Priest, with an office at 57 Tandberg Trail, Suite 7, Windham and StaySafe.org. Call him at 207-893-8184 or send him an email at [email protected] <

A Paintbrush Does Not an Artist Make

By Warren O'Shea

House painters, in my opinion, are highly undervalued for their skill set.

Because painting occurs toward the end of a project, it is frequently viewed as a quick, easy task. In reality, painted surfaces cover over 90 percent of a home's interior and exterior, requiring extensive technical skill and meticulous preparation that most homeowners overlook in an attempt to save money.

The placement of painting at the end of a project correlates with the end of the project budget. During home renovations or new builds, budgets are often stretched to their limits by the time the painters arrive. Clients are tired, funds are low, and there is immense pressure to finish the job quickly.

Because the final coat of paint is what people physically see, the task can seem like the most basic part of the process. Homeowners forget that painting is the culmination of everything that came before it; a poor paint job can ruin months of high-quality carpentry or drywalling, while an expert finish acts as the crown jewel of the entire property.

It’s not the icing; it’s the cherry on top.

Furthermore, people can fail to recognize the sheer scale of the work. When assessing a home, painted surfaces – including walls, ceilings, doors, and trim – make up the vast majority of the visible area. Painting these surfaces is not just about applying color; it is a complex, multi-step process that demands years of experience.

Professional house painters must know how to identify different materials, deal with moisture issues, sand properly, repair cracks, and use exact application techniques. If a wall is not correctly primed or sanded, the final color will look gritty and uneven, or the paint will peel in a few months.

A skilled painter understands chemical formulations, such as knowing exactly when to use an oil-based primer versus a water-based topcoat to prevent stains from bleeding through.

Because painting gear seems inexpensive, many homeowners assume DIY projects will save them money. They do not realize the high level of skill needed to do a good job until they try it themselves. A novice might believe all they need is a roller, a bucket, some beer and a weekend, but the reality is that the actual painting takes a fraction of the time compared to the prep work.

Surface preparations such as taping, caulking, patching holes, and sanding – accounts for the vast majority of a painter's time. Without proper preparation, even the most expensive premium paint will crack and bubble.

Attempting DIY to save money often leads to frustration and extra expenses. Common amateur mistakes include dripping paint on expensive floors, leaving unsightly brush marks, using the wrong paint for a specific room's humidity level, and failing to cut in straight lines. When a DIY job looks poor, the homeowner is often forced to buy more supplies to fix it or hire professionals to repair the mistakes and start from scratch.

When someone paints over past mistakes, they become owner of those past mistakes. On the other hand, a professional painter consistently produces high-end and durable finishes that protect the structural integrity of the walls and increases the resale value of the home.

Real estate experts note that a quality, professionally executed paint job can offer a significant return on investment.

Ultimately, house painting is far more than slapping color on a wall. It is an art and a science that protects and beautifies the spaces where people live. Recognizing the true value of professional house painters means understanding the years of practice, the physical labor, and the meticulous preparation that go into making a home look its absolute best.

Warren O'Shea is the owner of O’Shea Builders LLC, Maine’s most award-winning remodeling contractor. He has 35-plus years of residential remodeling experience. He is a certified home inspector and has been featured on HGTV, Food Network, and Maine Cabin Masters. He is a recipient of the Portland Police Department’s “Citizen Award,” and is a staunch consumer advocate. Warren has, and continues to, co-author articles for nationally distributed trade magazines. <

How to identify real estate scams

By Richie Vraux

With the current real estate market as hot as it’s been the past couple of years, it’s no wonder real estate scams are on the rise.

In 2021, the FBI’s Internet Crime Complaint Center reported almost 12,000 victims of rental or real estate fraud, which resulted in losses of over $350 million.

To keep yourself from being included in these statistics, below are five common scams to look out for when buying and/or selling real estate.

Fake Owners

Scammers frequently list properties for sale that they don’t own, attempting to lure potential buyers. The purported seller/owner may then ask for a deposit to “hold” the property until you’ve had a chance to come see it. In general, you should always be suspicious of someone who asks for a deposit up front.

Additionally, prior to signing a contract, always ask the seller/owner of the property to provide a copy of the real estate tax records and current deed. When it comes time to make an earnest money deposit, it’s best to use a trusted third party, such as a closing attorney. Your attorney should uncover any title issues.

Fake Real Estate Professionals

Similar to lying about owning a property, there are scammers posing as real estate agents online. If you’re approached by someone who alleges he or she is an agent and offers his or her services, verify that the person has a valid real estate license in Maine (or the state where the property is located) by checking the Board of Realtors’ website.

You want to be sure the person guiding you through the buying or selling process has been properly trained to do so and is familiar with the rules and regulations in your area.

Cash Offers

We’ve all seen the signs and ads: “We pay cash for homes” and “We buy ugly houses.” The concern here is selling your home for far less than market value. If you call one of these companies, you will likely be asked whether you own your home outright or what the balance is on your mortgage; they’re trying to determine how much you stand to pocket if you sold your home.

The company will use this amount to offer you as little as possible. They’ll make the low-ball offer enticing by offering a quick closing. While owners facing hardships and time constraints may ultimately decide to go with this option, you will typically make more on the sale by selling to a “traditional” buyer.

Predatory Lending

Mortgage lenders make money each time a borrower obtains a mortgage. Some unsavory lenders will try to persuade homeowners to refinance their mortgage over and over again, often suggesting the homeowner borrow more money each time so they can “cash out” to have money on hand. This is predatory lending. If you’ve recently refinanced your home, it’s probably not in your best interest to refinance again right away, unless mortgage rates have significantly dropped. A lender telling you otherwise may not be looking out for your best interests.

Also be on the lookout for lenders who are actively reaching out to you when you have not requested their help.

Bait-and-Switch Moving Companies

One moving scam works like this: The moving company has you outline your belongings, and they provide you with an estimate for say $5,000. The company then shows up to start loading your things and tells you it will actually be $10,000 now that they’ve seen what you have. By this point, people are usually in a bind and have to be out of the home, so they’re forced to agree to the price increase.

Another scam is even scarier: The company loads up all of your belongings but then refuses to unload/deliver them unless you agree to pay more. 

You can protect yourself by: (1) asking the moving company for a license number and checking to see if any complaints have been filed with the Federal Motor Carrier Safety Administration; (2) checking the Better Business Bureau for complaints; (3) getting quotes from several companies; and (4) not paying in full until the job is actually completed.

While the majority of real estate transactions occur without incident, it’s always best to be cautious when dealing with buyers, sellers, lenders and moving companies. With every player, there’s the potential for scam. Whether you are buying or selling a home, always check with your agent first.

Your agent is the person that will guide you every step toward buying or selling. There are still people today that are scammed. Don’t become one of them. Every agent goes through rigorous training on what to look for when someone is trying to steal your money.

Richie Vraux has been a real estate broker for over 25 years You can contact him at Pine Tree Realty of Maine in Windham. If you need real estate advice, contact Richie at (207) 317 1297 or [email protected] <

Transform your space with new flooring ideas for a fresh look

By Chris Lawlor

When it comes to home improvement, few changes can transform your environment like new flooring. The difference can be stunning, whether refreshing a single room or revamping your entire home. The right flooring serves as the foundation for your design vision. From the warmth of hardwood to budget-friendly laminate options, you’ll find countless possibilities to make your space feel updated and inviting. In this post, we’ll explore various flooring ideas that can breathe new life into your home.

The Importance of Flooring

Flooring might not always get the spotlight in home design, but it significantly impacts your space’s overall look and feel. The right choice enhances beauty, promotes comfort, and can even add to your property's value. According to the National Association of Realtors, updating flooring can yield up to a 75% return on investment when selling a home.

When selecting flooring, consider both aesthetics and functionality. Different materials come with unique benefits, such as durability, maintenance ease, and comfort. For instance, carpet is softer underfoot and great for bedrooms, while tile is water-resistant and ideal for kitchens or bathrooms. Tailoring your choice to your lifestyle and design preferences is key. Here are some popular flooring options:

Hardwood Flooring

Hardwood flooring is a timeless option that adds elegance to any room. In a survey by the National Wood Flooring Association, 82% of homeowners report that hardwood flooring increases their home's value. Available in various species—like oak, maple, and cherry—hardwood can complement diverse decor styles.

One standout feature of hardwood is its longevity. Properly maintained hardwood floors can last 50 years or more. Refinishing can also extend their life. For example, if your dark oak floor starts to fade, you can sand it down and apply a new finish to refresh its appearance without needing a full replacement.

Laminate Flooring

If you admire the look of hardwood but have budget constraints, laminate flooring is a smart alternative. This material mimics wood's appearance while standing up to scratches and stains. In fact, many modern laminates can withstand wear for about 10-15 years before needing replacement.

Laminate is also known for its ease of installation, which appeals to DIY enthusiasts. With styles ranging from classic oak to rustic barn wood, laminate flooring allows anyone to create a beautiful environment without breaking the bank.

Floating Floors

Floating floors have gained traction in recent years due to their adaptability. Unlike traditional floors attached to the subfloor, floating floors rest above it and allow for easy installation and removal. They come in various materials, including laminate and engineered wood, making them versatile for different spaces.

These floors are particularly useful in environments that experience temperature changes. They can expand or contract without causing damage, keeping your floors looking good even in fluctuating conditions. Homeowners often appreciate their modern look and practicality in areas like living rooms and basements.

Selecting the Ideal Flooring for Your Home 

When choosing new flooring, think about the specific needs of each room. High-traffic areas such as hallways and living rooms benefit from durable materials like laminate or hardwood. In contrast, bedrooms might be better suited for the comfort of carpets or plush area rugs.

Also, consider the overall style of your home. If your decor leans toward modern design, you might select sleek laminate or polished hardwood. Conversely, for a traditional feel, rich hardwood or textured carpets can create a warm, inviting atmosphere.

Care and Maintenance

Once you’ve chosen your new flooring, knowing how to care for it is vital. Different materials have varying maintenance needs.

For hardwood, regular sweeping and occasional mopping with a damp cloth can help maintain its shine. In comparison, laminate flooring should be cleaned with a damp mop and a gentle cleaner to prevent damage.

By understanding how to care for your flooring type, you can ensure its durability and beauty for years to come.

Investing in new flooring can significantly enhance your space, providing a renewed and vibrant appearance. Whether you choose the classic allure of hardwood, the accessible charm of laminate, or the versatility of floating floors, your decision can elevate your home’s aesthetic and functionality.

This article was brought to you by Maine Home Maintenance. For help with all your flooring needs and for expert advice reach out to them today at 207-894-0424 or send an email to: [email protected] You can also find them online at www.mainehomemaintenance.com <

Opportunity knocking for commercial real estate development

By Larry Eliason

Business Parks offer an incredible opportunity for towns like Windham to attract companies with good paying jobs and to provide a stronger and well-diversified commercial tax base for the town.

The Quarry Ridge Business Park is conveniently accessed via Enterprise Drive in Windham just off Roosevelt Trail/Route 302. This Business Park is a Grondin Family investment in Windham.

Currently, there are two adjacent commercial lots available for purchase and development, Lots 10, 4.13 +/- acres & Lot 11, 3.70 +/- acres on Enterprise Drive.

Quarry Ridge Business Park is located on about 1,000 acres of land and is poised to become a commercial business park center and future commercial tax base for the Town of Windham. Phase 1A was built in 2004 and was anchored by Genest Concrete products and LaValley Lumber Building Supply. The LaValley property was acquired by Tube Hollows International in 2012. Phase 1B was approved by the town of Windham in 2006 and since then mining of the gravel pit and quarry has progressed enough to leave behind flat buildable lots available for industrial use. The entire development is served by public water, electricity (including 3-Phase) and natural gas. The Grondin Family is working on another phase of additional commercial lots as well and new lots should be available in the future.

Enterprise Drive, Bedrock Terrace and Storm Drive have several businesses from retail, office, service, manufacturing, engineering, and public storage with many valued business owners, their employees and customers.

There is an existing MaineDOT traffic movement plan in place that will eventually include a much-needed traffic signal at the intersection of Enterprise Drive and Route 302. It is certainly time to review the traffic patterns and find a way to incorporate signalization at this high traffic intersection via a collaboration with the stakeholders; the Business Park Owners, the Town of Windham and the MaineDOT.

Danielle Drive is a Business Park off from Route 302 across from Varney Mill Road in Windham. This Business Park was developed by the Windham Economic Development Corporation when Bill Tracy served as its Executive Director. This is a small Business Park in the C3 Commercial Zone.

At that location, there have been recent sales of existing commercial buildings over the past two years to a Landscape Company and a Building Contractor. It appears that there is only one undeveloped lot left in this development.

On Gambo Road off River Road in the Windham Industrial District, there is a 12 acre +/- acre parcel available for purchase in this Business Park. This looks like a prime location for a business or businesses looking to be based in Windham and have easy access to North Windham, and the towns of Gorham and Westbrook.

The Town of Windham also has other parcels of land listed for sale that offer development, although many in the C1 District have been going down the multi-family development path. Windham certainly has an opportunity to pursue additional Business Park development and being creative with incentives and/or fast tracking may need to be considered. 

Millions of dollars in new investment could be coming to Windham Business Parks in the coming years. The commercial tax base it generates can provide the Town of Windham with a valuable commercial tax base to help provide additional infrastructure and services to the residents of Windham, as well as to provide good paying jobs for residents.

As a Commercial Real Estate Broker and a Windham Economic Development Corporation (WEDC) volunteer, I see millions of dollars in new investment coming to town business parks in the coming years.

I have over 35 years of experience helping client’s to access current as well as future commercial real estate needs and to advance the quality of their real estate project and goals by capitalizing on my ability to search out the ideal solution and problem solve impediments, my experience knowing and recognizing all of the requirements pertaining to completing the transactions and the talent for bringing all parties together to fulfill their expectations.

Larry Eliason is a Commercial Broker with Butts Commercial Brokers, 1265 Roosevelt Trail, Raymond. He can be reached at 207-415-2112 or by email at [email protected]. Visit www.ButtsCommercialBrokers.com <

Is Your Landscaping Harming Your House?

By Nicole Foster, Broker/ REALTOR

One of the best ways to boost your home's curb appeal is to invest in your yard. Beautiful, mature landscaping not only enhances the visual appeal of a property but can also increase its market value. A well-maintained yard creates a positive first impression, while overgrown shrubs, unkept gardens, and neglected outdoor spaces can signal additional work and expense to prospective buyers. Neglected landscaping can quickly diminish a buyer's enthusiasm upon arrival, as many immediately begin calculating the time, effort, and expense required to restore the property.

When making decisions about improving your home's landscaping, it is important to carefully consider the location of any new plantings. Simple and seemingly harmless projects – such as planting a tree to provide shade or adding shrubs to enhance your home's façade – can create significant problems over time if they are placed in the wrong location. What begins as a small landscaping improvement can eventually lead to costly repairs, safety concerns, or damage to your property.

Research has shown that planting trees can increase a home's value when they are thoughtfully incorporated into the landscape. According to the Arbor Day Foundation, strategically placed trees can boost a property's value by as much as 3 to 15 percent.

In addition to enhancing curb appeal, mature trees can provide shade, improve energy efficiency, and create a more inviting outdoor environment. However, trees planted in the wrong location can have the opposite effect, negatively impacting a home's marketability and potentially causing costly damage to foundations, roofs, driveways, septic systems, or utility lines. Before selecting a location for a new tree, take the time to look upward, downward, and outward.

Start by looking overhead. Are there utility lines nearby that could eventually interfere with a mature tree's growth?

Next, consider what lies beneath the surface. Think about the location of your home's plumbing, septic system, and sewer lines before you begin planting. Tree roots naturally seek out moisture through a biological process known as hydrotropism. As roots grow, they are drawn toward water sources that help sustain the tree. This is one reason roots are commonly discovered during septic and sewer inspections. Over time, roots can infiltrate pipes, obstruct wastewater flow, and even cause costly damage to septic and sewer systems. Also consider the mature size of the tree's canopy and where its branches will extend over time.

Think about whether the tree will drop leaves, needles, seeds, acorns, fruit, or sap, and where those materials are likely to accumulate. A tree that seems perfectly placed today may eventually create maintenance issues if debris regularly collects on top of your roof shingles, clogs gutters, stains vehicles or covers walkways, decks, and patios. 

The use of mulch offers several benefits for homeowners. It helps retain soil moisture, suppress weed growth, and insulate plant roots during periods of freezing temperatures. However, when used incorrectly, mulch can create conditions that lead to moisture-related problems. Mulch should never be placed directly against a home's foundation or allowed to come into contact with wood siding, trim, or other wooden structures. Excess moisture trapped against these surfaces can contribute to rot, mold, and pest infestations. To help protect your home, maintain a gap of at least six inches between mulch beds and the foundation, with a foot of clearance being ideal. Mulch should also be applied in a layer no deeper than two to three inches to allow for proper drainage and air circulation.

When selecting shrubs and plants near your home’s foundation, it is important to consider the root systems of the varieties you choose. Some plants develop particularly aggressive or persistent roots that can damage hardscaping, disrupt drainage, or even impact a home’s foundation over time. Planting shrubs or bushes too close to the side of a house can also lead to ongoing maintenance challenges, requiring frequent pruning to prevent contact with siding or trim. When vegetation is allowed to grow against the home, it can trap moisture, contribute to mildew or mold growth on exterior surfaces, and make routine maintenance and repairs more difficult. 

Ivy climbing the side of a home may create a charming, storybook appearance, but it can also lead to costly problems. As it grows, ivy can trap moisture against exterior surfaces, damage siding, masonry and paint, and create entry points for insects and other unwanted pests. Left unchecked, what begins as an attractive landscaping feature can result in expensive repairs and ongoing maintenance concerns.

Taking the time to remove, repair, or replace old landscaping that may pose a potential threat to your home is a wise investment, whether you plan to stay in your property long-term or sell in the near future. Making thoughtful choices when introducing new plantings can also help ensure your landscaping enhances rather than compromises the value and integrity of your home.

Nicole Foster is a real estate broker with over 20 years of experience helping buyers, sellers and investors in Southern Maine who loves real estate and people. Follow Nicole at @207nicolefoster or facebook.com/sellingmaine. <

Dreaming of a Maine Lake Life?

By Lisa DiBiase

The first thing I ask anyone who comes to me wanting to buy a camp on one of Maine’s waterfronts is this: Are you thinking seasonal, or do you want to be there year-round?

It sounds like a simple question, but the answer I receive shapes all aspects of the search. From the budget, the due diligence checklist, the financing, and honestly, whether the property they’ve already half-fallen in love with while online is actually right for what they have in mind.

Maine has its own vocabulary when it comes to lake properties, and “camp” is probably the most misunderstood word in it. Here, it doesn’t mean a rustic bunkhouse in the woods. It means a home on or near the water, anything from a modest one-room cabin to a well-appointed lakeside retreat with a wraparound porch and a boathouse. What “camp” does tell you, if the listing says seasonal, is that the systems underneath the property were built for part-time use. That matters more than most buyers realize.

Seasonal vs. Four-Season

A seasonal camp is typically used from May through October. It may draw water directly from the lake rather than a drilled well, and its septic system is sized for weekend and summer visitor traffic, not full-time occupancy. These properties are generally priced lower, and for families who want a summer place and nothing more, they can be a wonderful fit.

A four-season home on the water is entirely a different structure. From a drilled artesian well to a septic system built for year-round flows, and proper insulation and heating systems, it’s the property you can actually relocate to which is what I’m finding a growing number of my buyers are trying to do.

And that’s where I see the biggest surprises. People fall in love with a camp at a price point that feels manageable but then learn what it would actually cost to make it livable during a Maine winter. Converting a seasonal camp to year-round use typically involves a new septic system, a drilled well, insulation upgrades, and winterized plumbing throughout the structure. Depending on the camp's age and condition, upgrades like this can cost $40,000 to $100,000 or more. That’s a number worth considering before you make an offer.

What may not show up in listings

Waterfront properties in Maine require a layer of due diligence that goes beyond what a standard home inspection covers, and I always make sure our clients enter the buying process with their eyes and ears open.

Septic history matters! An antique septic system can be failing and actively polluting a lake, with no visible indication on the property's surface. Always be sure to ask for documentation on the system’s design, age, and maintenance record. A professional inspection, especially on older camps, and a soil evaluation are worth every penny before you sign on the dotted line.

Water source matters, too. If a camp draws from the lake rather than a drilled well, that’s workable for summer use but is not a substitute for a permanent water supply if full-time living is the goal.

Don’t forget about how you’re going to get to your driveway; road access matters. Many lake properties in the Windham and Raymond area are reached by private roads that the towns do not maintain. Before closing, understand who plows, who patches, and what the cost-sharing agreement looks like among the residents of the road and your neighbors.

If you’re envisioning a garage addition, an expanded footprint, or a new dock, Maine’s Shoreland Zoning Act governs what you can and can’t do within 250 feet of the water. The Act’s rules apply to your plans and may vary by lake and municipality. Also, dock and mooring permits don’t automatically transfer with a sale. Verify that any existing dock is properly installed and permitted, and find out whether a mooring is even available because on some lakes they’re restricted or have waiting lists.

One thing I always encourage our buyers to do, especially those coming from out of state, is to visit the property in a season other than summer if you can. If you’re planning to be here year-round, you want to know the ins and outs of what you’re choosing, like the road conditions, the quiet, and the differing distance to town in the summer vs the winter.

That’s exactly what we’re here for! Let us help you ask the hard questions up front and be sure you’re getting the property you’re dreaming of. Let Landing Real Estate help guide you home.

As I have said before, please call a local REALTOR® for all your real estate needs no matter how big or small. We are trained professionals here to make your life easier. It's best to surround yourself with the right team of professionals that can continuously give you the right advice for all your circumstances.

This article was brought to you by Lisa DiBiase, Broker/Co-Owner of Landing Real Estate. Lisa and her team proudly represent buyers and sellers across the Greater Portland, Lakes Region, and beyond. For all your real estate needs, contact Lisa at [email protected] or call (207) 775-SOLD. <