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5332 Ragged Point Rd, Cambridge, MD, 21613

6beds
5baths
4,488sqft
$1,399,000
$312price/sqft
$9,714/moest. monthly cost
$388,560/yrincome needed

About This Home

Set on 10 remarkably private acres in Dorchester County’s scenic Neck District, this custom-built waterfront retreat commands sweeping views of the Middle Chesapeake Bay and offers the rare combination of space, comfort, and true Eastern Shore serenity. With over 4,500 sq. ft., 6 bedrooms, 4.5 baths, rip-rapped shoreline, and exceptional indoor and outdoor living spaces, this is a property designed for gathering generations of family and friends. A long private approach welcomes you to a setting where nature and waterfront living take center stage. Inside, hardwood floors, timeless architecture, and expansive Bay views create a warm yet elegant atmosphere. The waterfront family room features a striking stone fireplace with wood-burning insert and opens seamlessly to both the screened porch and covered deck, creating effortless indoor-outdoor living. The spacious kitchen was designed with entertaining in mind, offering a center island, breakfast bar, abundant cabinetry, stainless steel appliances, double wall ovens, pantry storage, and an oversized breakfast room ideal for casual mornings by the water. Formal living and dining rooms provide additional space for hosting holidays and special occasions. The first-floor primary suite serves as a private waterfront sanctuary with direct access to the covered porch and peaceful Chesapeake Bay views. Upstairs, five spacious guest bedrooms and three full baths—including a private en-suite—offer flexibility for large families, guests, or vacation rental potential. Vaulted ceilings and dormer windows add architectural charm and natural light throughout the second level. Outside, the lifestyle only gets better. Spend summer days around the inground pool, rinse off in the outdoor shower after boating or kayaking, enjoy crab feasts on the screened porch, or gather around the waterside fire pit as the sun sets across the Bay. The partially wooded acreage provides exceptional privacy while attracting an abundance of wildlife including bald eagles, deer, ducks, geese, and shorebirds—an everyday reminder of the natural beauty that surrounds you. Located on Ragged Point with Eastern Shore favorites like Soft & Salty Seafood and Danny's Seafood, this property offers easy access to fresh seafood, marinas, boating, and some of the finest fishing and crabbing waters on the Chesapeake Bay. The nearby Neck District Grill is a great spot for breakfast, lunch or weekend dinner. Whether you are searching for a full-time waterfront residence, luxury weekend escape, or investment opportunity with proven vacation rental appeal, this extraordinary property delivers the privacy, waterfront lifestyle, and authentic charm that buyers are seeking on Maryland’s Eastern Shore.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

2/10
2/10
Mace's Lane Middle SchoolGrades 6-810.0 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 2007

Materials

  • Foundation: Crawl Space
  • Roof: Architectural Shingle
  • Construction materials: HardiPlank Type

Other

  • Builder name: Dave Baynard

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Oven,Double Oven,Refrigerator,Dryer,Washer,Electric Water Heater
  • Laundry features: Has Laundry,Main Level,Laundry Room

Bedroom2

  • Features: Attached Bathroom,Recessed Lighting,Flooring - Carpet
  • Level: Upper
  • Area: 156
  • Dimensions: 12 X 13

Bedroom3

  • Features: Attached Bathroom,Flooring - Carpet
  • Level: Upper
  • Area: 196
  • Dimensions: 14 X 14

Bedroom4

  • Features: Flooring - Carpet,Walk-In Closet(s),Jack and Jill Bathroom,Cathedral/Vaulted Ceiling
  • Level: Upper
  • Area: 270
  • Dimensions: 15 X 18

Bedroom5

  • Features: Cathedral/Vaulted Ceiling,Flooring - Carpet,Attached Bathroom,Ceiling Fan(s),Walk-In Closet(s)
  • Level: Upper

Bedroom6

  • Features: Walk-In Closet(s),Flooring - Carpet
  • Level: Upper
  • Area: 272
  • Dimensions: 16 X 17

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Breakfast Room

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 252
  • Dimensions: 14 X 18

Dining Room

  • Features: Flooring - HardWood,Chair Rail,Crown Molding
  • Level: Main
  • Area: 289
  • Dimensions: 17 X 17

Family Room

  • Features: Fireplace - Wood Burning,Flooring - HardWood
  • Level: Main
  • Area: 378
  • Dimensions: 18 X 21

Features

  • Attic,Ceiling Fan(s),Chair Railings,Crown Molding,Entry Level Bedroom,Family Room Off Kitchen,Open Floorplan,Formal/Separate Dining Room,Kitchen Island,Primary Bath(s),Primary Bedroom - Bay Front,Walk-In Closet(s),9'+ Ceilings,Dry Wall,Vaulted Ceiling(s)
  • Door features: French Doors,Insulated
  • Window features: Double Pane Windows,Double Hung
  • Flooring: Hardwood,Ceramic Tile,Carpet,Wood
  • Number of fireplaces: 1
  • Fireplace features: Stone
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 4,488

Foyer

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 77
  • Dimensions: 7 X 11

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Central Air,Heat Pump,Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 4,488
  • Total interior livable area: 4,488 sqft

Kitchen

  • Features: Flooring - Ceramic Tile
  • Level: Main
  • Area: 288
  • Dimensions: 16 X 18

Laundry

  • Features: Flooring - Ceramic Tile
  • Level: Main
  • Area: 63
  • Dimensions: 7 X 9

Living Room

  • Features: Flooring - HardWood,Ceiling Fan(s),Recessed Lighting
  • Level: Main
  • Area: 306
  • Dimensions: 17 X 18

Primary Bedroom

  • Features: Flooring - Carpet,Walk-In Closet(s),Attached Bathroom,Bathroom - Jetted Tub,Bathroom - Walk-In Shower
  • Level: Main
  • Area: 330
  • Dimensions: 15 X 22

Screened Porch

  • Level: Main
  • Area: 221
  • Dimensions: 13 X 17

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1008186529
  • Zoning: RR
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Vinyl,Private
  • Patio & porch: Porch,Screened,Wrap Around,Screened Porch
  • Exterior features: Rain Gutters
  • Has view: Yes
  • View description: Bay,Water
  • Has water view: Yes
  • Water view: Bay,Water
  • On waterfront: Yes
  • Waterfront features: Rip-Rap,Boat - Powered,Canoe/Kayak,Fishing Allowed,Bay
  • Waterbody name: Chesapeake Bay
  • Frontage length: Water Frontage Ft: 500

Lot

  • Lot size: 9.07 Acres
  • Features: Fishing Available,Landscaped,Wooded,Rural

Parking

  • Total spaces: 3
  • Parking features: Garage Faces Side,Garage Door Opener,Inside Entrance,Gravel,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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 FloodingVery High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Coastal Flooding
Strong Wind
Cold Wave
Drought
Hurricane
Heat Wave
Ice Storm
Lightning
Tornado
Wildfire

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 $7,074$84,888
Home Insurance *$735$8,820
Property Taxes $1,334$16,008
Electricity $571$6,861
Total$9,714$116,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$333,051/yr
40% on housing$291,420/yr
45% on housing$259,040/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

$312This listing

vs Other Active Listings

Avg $/sqft

ZIP 21613$150
Dorchester County$150

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
2026-05-29Price change$1,399,000
2026-05-14Listed for sale$1,500,000
2025-12-15Listing removed$1,500,000
2025-09-25Listed for sale$1,500,000
2002-05-29Sold$99,000

For Sale by Agent

AgentSharon Spedden
BrokerageSharon Real Estate P.C.

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