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2804 Persimmon Pl #D3, Cambridge, MD, 21613

4beds
4baths
2,844sqft
$400,000
$141price/sqft
$3,218/moest. monthly cost
$128,720/yrincome needed

About This Home

Spacious three-level Rivermarsh townhouse offering significantly more finished living space than most new construction options in the community, with the added benefit of immediate availability. Located adjacent to the Hyatt Regency Chesapeake Bay Resort, this home delivers a coastal, resort-style lifestyle without the wait, uncertainty, or upgrade costs often associated with new builds. The main level features an open-concept layout connecting the living, dining, kitchen, and den areas, ideal for everyday living and entertaining. A fireplace anchors the den, and a screened-in balcony provides peaceful golf course views. Upstairs, the primary suite includes an en suite bath and walk-in closet, along with two additional bedrooms and a full hall bath. Laundry is conveniently located on this level. The lower level was designed as a fourth bedroom with a private en suite bath and offers flexibility as a guest suite, home office, or private retreat. An oversized, finished garage with ample lighting adds storage and functionality rarely found in nearby new construction. Residents enjoy access to community amenities and close proximity to marina life, golf, waterfront dining, and all that Cambridge and the Eastern Shore have to offer. This home presents a rare opportunity to secure more space, more flexibility, and immediate occupancy in a premier resort-adjacent setting.

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

2/10
Maple Elementary SchoolGrades PK-53.0 mi
2/10

Construction

Condition

  • Property condition: Excellent
  • Year built: 2007

Materials

  • Foundation: Slab
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Upper Level

Basement

  • Area: 0

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,844

Heating & Cooling

  • Heating features: Heat Pump,Natural Gas
  • Cooling features: Other,Electric

Interior Area

  • Total structure area: 2,844
  • Total interior livable area: 2,844 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1007230206
  • Zoning: TH
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: Community

Lot

  • Lot size: 2,621 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener,Garage Faces Front,Attached,Driveway,Parking Lot
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 $624$7,488
Electricity $362$4,348
Total$3,218$38,616
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,331/yr
40% on housing$96,540/yr
45% on housing$85,813/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

$141This 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
2026-02-12Listed for sale$450,000
2026-01-01Listing removed$545,000
2025-06-25Price change$545,000
2025-04-09Listed for sale$595,000
2025-03-01Listing removed$595,000
2024-07-24Listed for sale$595,000
2007-03-09Sold$629,231

For Sale by Agent

AgentCarlyn Lowery
BrokerageEXP Realty, LLC

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