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705 Church St, Cambridge, MD, 21613

5beds
3baths
3,510sqft
$429,000
$122price/sqft
$3,508/moest. monthly cost
$140,320/yrincome needed

About This Home

Welcome to your dream home! This beautifully updated property offers 5 spacious bedrooms and 3 full bathrooms, perfect for comfortable living and entertaining. Hot Features You’ll Love: Brand new modern kitchen with all new appliances , Gorgeous new flooring throughout, Completely renovated bathrooms, Fresh new paint inside and out, Large backyard- perfect for family gatherings, gardening, or relaxing. Bonus attic loft with 2 additional rooms- ideal for office space, guest rooms, or future expansion. Recent improvements include new roof and gutters/downspouts in 2021. 3 - level brand new split system air conditioning system for year-round comfort. The split air condition have 12 years all part warranty and 10 years labor.

Getting Around

76
WalkingVery Walkable
0
TransitVery Limited Transit
68
BikeBikeable

Schools

2/10
2/10

Construction

Condition

  • Property condition: Excellent
  • Year built: 1920

Materials

  • Foundation: Block,Crawl Space
  • Construction materials: Combination

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Microwave,Cooktop,Dishwasher,Disposal,Dryer,Ice Maker,Stainless Steel Appliance(s),Water Heater,Electric Water Heater
  • Laundry features: Dryer In Unit,Washer In Unit

Bathroom1

  • Level: Upper

Bathroom2

  • Level: Main

Bathroom3

  • Level: Main

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Main

Bedroom5

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Features

  • Bathroom - Walk-In Shower,Dining Area,Dry Wall,Plaster Walls
  • Flooring: Carpet,Ceramic Tile,Laminate
  • Finished area below ground: 0
  • Finished area above ground: 3,510

Heating & Cooling

  • Heating features: Central,Programmable Thermostat,Wall Unit,Electric
  • Cooling features: Central Air,Programmable Thermostat,Wall Unit(s),Electric

Interior Area

  • Total structure area: 3,510
  • Total interior livable area: 3,510 sqft

Property

Accessibility

  • Accessibility features: Accessible Hallway(s),Accessible Entrance

Details

  • Parcel number: 1007170637
  • Zoning: R-3
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None

Lot

  • Lot size: 7,400 sqft

Parking

  • Parking features: On Street
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Strong Wind
Cold Wave
Hurricane
Heat Wave
Lightning
Winter Weather
Tsunami

FEMA Declared Disasters Across Maryland Counties

Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,169$26,028
Home Insurance *$225$2,700
Property Taxes $667$8,004
Electricity $447$5,366
Total$3,508$42,096
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,274/yr
40% on housing$105,240/yr
45% on housing$93,546/yr

Maryland FAIR Plan Programs

Maryland Joint Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 678Commercial: 44
Total Premiums$854,000
Total Exposure$326.56M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.2%
9.2%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.7%
-0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$122This listing

vs Other Active Listings

Avg $/sqft

ZIP 21613$154
Dorchester County$152

vs Homes Sold Last Month

Median $/sqft

ZIP 21613$176
Dorchester County$146

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-30Price change$475,000
2026-04-09Listed for sale$509,998
2025-06-16Sold$170,000
2025-05-19Pending sale$185,000
2025-05-19Contingent$185,000
2025-04-24Listed for sale$185,000
2021-02-05Sold$117,500
2020-12-20Pending sale$125,000
2020-11-24Listed for sale$125,000
2020-08-17Listing removed$125,000
2020-08-02Listed for sale$125,000
2020-04-24Listing removed$125,000
2020-03-23Price change$125,000
2019-11-08Price change$139,750
2019-05-24Price change$149,750
2019-03-04Price change$165,000
2018-12-30Listed for sale$175,000
2013-04-01Sold$28,500
2012-07-22Listing removed--
2012-05-31Price change$19,000
2012-05-25Price change$1,000
2012-05-23Price change$19,000
2012-05-17Listed for sale--
2012-04-25Sold$30,303
2002-09-24Sold$57,500

For Sale by Agent

AgentGeorge Nguyen
BrokerageBlufin Realty, LLC.

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