This was posted on Facebook, presumably be a Kirkcudbright resident to whom I cannot send thanks, but it is lovely old image of the harbour as it was, and the caption below which says that one of the vessels, the “Utopia” was wrecked in November 1898 effectively dates the taking of the original photo at some point before that. It would seem to be a scan of the page of a book of some sort.
The white cottage behind the trees on the left is still there and is now the Harbour Cottage Gallery. And to the right of the the sterns of the vessels, across the river can be seen a house in an area known as “The Stell”.