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2820 Persimmon Pl #B4, Cambridge, MD, 21613

4beds
4baths
2,240sqft
$399,900
$179price/sqft
$3,137/moest. monthly cost
$125,480/yrincome needed

About This Home

New price reduction with motivated sellers! Experience resort-style living at an exceptional value in the Residences at River Marsh. Perfectly positioned between the Hyatt Chesapeake Bay Golf Resort, Spa & Marina and the award-winning River Marsh Golf Club, this beautifully maintained and updated 4-bedroom, 3.5-bath townhome offers the ideal blend of waterfront recreation, golf course views, and luxury amenities on Maryland's Eastern Shore. Located just a short stroll from the marina on the Choptank River, boaters will appreciate the opportunity for annual marina memberships with slips available to keep your boat in the water and ready for your next adventure. Golf enthusiasts will enjoy front-row views of the 2nd fairway and 3rd hole from multiple outdoor living spaces, including a ground-level patio, screened porch, and private balcony off the primary suite. Inside, the thoughtfully designed three-level floorplan features hardwood flooring, a spacious center-island kitchen with stainless steel appliances, breakfast bar seating, dining area, and an inviting living room ideal for entertaining family and friends. A front porch overlooking the Hyatt grounds offers glimpses of the marina and resort atmosphere that makes River Marsh one of the Eastern Shore's premier destinations. The upper-level primary suite serves as a private retreat with balcony access, customized California Closets, and an upgraded spa-inspired shower featuring body sprays, handheld wand, and traditional  shower head. Additional custom California Closets throughout the upper-level bedrooms and pantry provide exceptional organization, while updated lighting fixtures add a fresh, sophisticated touch throughout the home. The attached one-car garage provides ample storage for golf clubs, bicycles, boating equipment, beach gear, and everything needed to enjoy the River Marsh lifestyle. River Marsh Golf and Marina memberships are available for golf, boat, and Hyatt resort privileges or Tides at River Marsh memberships are available for pool and community amenities, allowing owners to tailor their experience to their interests. Enjoy the convenience of walking to the marina, Blue Point Provision Company, golf course, resort amenities, and scenic waterfront trails. Whether you're seeking a full-time residence, weekend getaway, or vacation property, this is an outstanding opportunity to own in one of Cambridge's most desirable resort communities. Best of all, it is currently the best-priced townhome opportunity in River Marsh.

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

2/10
Maple Elementary SchoolGrades PK-53.1 mi
2/10

Construction

Condition

  • Property condition: Excellent
  • Year built: 2007

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Cement Siding

Other

  • Builder name: Beazer

Type & Style

  • Home type: Townhouse
  • Architectural style: Traditional
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Disposal,Dryer,Exhaust Fan,Range Hood,Refrigerator,Microwave,Self Cleaning Oven,Oven,Stainless Steel Appliance(s),Water Heater,Gas Water Heater
  • Laundry features: Has Laundry,Upper Level

Bedroom2

  • Features: Flooring - Carpet
  • Level: Upper
  • Area: 88
  • Dimensions: 8 X 11

Bedroom3

  • Features: Flooring - Carpet
  • Level: Upper
  • Area: 80
  • Dimensions: 8 X 10

Bedroom4

  • Features: Flooring - Carpet
  • Level: Main
  • Area: 144
  • Dimensions: 12 X 12

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Features: Flooring - HardWood
  • Level: Upper
  • Area: 99
  • Dimensions: 9 X 11

Features

  • Breakfast Area,Kitchen Island,Combination Kitchen/Dining,Primary Bath(s),Entry Level Bedroom,Upgraded Countertops,Crown Molding,Recessed Lighting,Floor Plan - Traditional,9'+ Ceilings,Dry Wall,Vaulted Ceiling(s)
  • Door features: French Doors,Insulated
  • Window features: Double Pane Windows,Screens,Window Treatments
  • Flooring: Hardwood,Carpet,Ceramic Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Electric
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,240

Foyer

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 36
  • Dimensions: 6 X 6

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 2,240
  • Total interior livable area: 2,240 sqft

Kitchen

  • Features: Flooring - HardWood
  • Level: Upper
  • Area: 154
  • Dimensions: 11 X 14

Living Room

  • Features: Flooring - HardWood,Fireplace - Electric
  • Level: Upper
  • Area: 234
  • Dimensions: 13 X 18

Primary Bedroom

  • Features: Flooring - Carpet
  • Level: Upper
  • Area: 140
  • Dimensions: 10 X 14

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1007230117
  • Zoning: R-1
  • Special condition: Standard
  • Exclusions: Grill

Features

  • Levels: Three
  • Stories: 3
  • Pool features: Community
  • Patio & porch: Screened,Patio,Porch
  • Exterior features: Rain Gutters,Balcony
  • Has view: Yes
  • View description: Water,Golf Course
  • Has water view: Yes
  • Water view: Water
  • Waterfront features: River,Boat - Powered,Canoe/Kayak
  • Waterbody name: Choptank River

Lot

  • Lot size: 1,700 sqft
  • Features: Landscaped

Parking

  • Total spaces: 1
  • Parking features: Garage Door Opener,Garage Faces Front,Concrete,Off Street,Attached,Parking Lot
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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 $2,022$24,264
Home Insurance *$210$2,520
Property Taxes $620$7,440
Electricity $285$3,424
Total$3,137$37,644
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,554/yr
40% on housing$94,110/yr
45% on housing$83,653/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

$179This listing

vs Other Active Listings

Avg $/sqft

ZIP 21613$153
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
2026-08-11Price change$389,000
2026-06-03Listed for sale$399,900
2023-02-16Sold$425,000
2023-01-24Pending sale$425,000
2023-01-17Price change$425,000
2022-12-07Listed for sale$475,000
2019-04-05Sold$300,000
2017-01-11Listing removed$399,900
2016-04-06Listed for sale$399,900
2007-05-29Sold$523,094

For Sale by Agent

AgentSharon Spedden
BrokerageSharon Real Estate P.C.

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