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1109 Locust St , Cambridge, MD 21613
$480,000
Est. Payment: $2,635.72/mo
4 Bed
3 Bath
2752 Sqft
0.24 Acres
Status: active | Days on site: 127
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CENT2015 - 139530
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House Description

.Searching for a historic primary residence, vacation home, potential Airbnb or Eastern Shore retreat with modern updates and Chesapeake Bay lifestyle? This is it. Custom remodeled inside and out. Built in 1910 and situated in the Cambridge Historic District on Maryland's Eastern Shore, 1109 Locust Street delivers 2,228 finished square feet of beautifully updated living space across three levels. This 4-bedroom, 3 full-bath home includes a finished attic with a window and closet 7'ceilings, ideal for use as a potential fifth bedroom or home office, and a convenient first-floor bedroom and full bath. The fully reimagined chef's kitchen features a professional style gas range with hood exhaust, counter depth French door refrigerator with freezer drawers, pro-style dishwasher, large porcelain farm sink, premium cabinetry with walnut butcher block countertops, a dedicated beverage and coffee bar with ice machine, wine cooler, and filtered water sink, plus a separate walk-in pantry. Exactly what you want after a day on the water. Custom crown molding. Major updates include a new roof installed August 2023, dual electric heat pumps, natural gas on-demand tankless water heater, and a natural gas fireplace. Second-floor laundry, EV charging station, and off-street parking with rear alley access round out the practical upgrades. Outdoor spaces are built for real life and weekend living. A screened-in rear porch with a built-in grilling station and exhaust hood, a backyard workshop, and a potting shed make this property as functional as it is charming. Located outside the flood zone on a 0.24 acre lot. Lot is ideal for additional building. Steps from the Cambridge Municipal Marina and the Choptank River, with easy access to Blackwater National Wildlife Refuge, downtown Cambridge waterfront dining, boutique shops, and galleries. Whether you are launching a kayak, crabbing, pulling into the marina, or simply watching the sunset over the water, this location delivers the Eastern Shore lifestyle year-round. Only 45 minutes to Annapolis, Maryland, and under two hours to Washington D.C. and Baltimore. This is Eastern Shore living without compromise.

Highlights

Listed by Kimberly Herrewig , 7035010072 CENTURY 21 New Millennium , 7037537910. Bright MLS

Property Type

Residential

Lot/Acreage
0.24

Year Built

1910

County

Dorchester

Neighborhood

Historic Cambridge

School District

Dorchester County Public Schools

Listing ID

MDDO2012498

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Dishwasher, Dryer - Front Loading, Exhaust Fan, Icemaker, Oven/Range - Gas, Range Hood, Refrigerator, Washer - Front Loading, Water Heater - Tankless, Stainless Steel Appliances
Air Cond:Ceiling Fan(s),Central A/C,Heat Pump(s)
Fireplaces:Gas/Propane,Insert,Mantel(s),1 Fireplace
Floor:Hardwood,Ceramic Tile,Luxury Vinyl Plank
Above Ground Sq Ft:2752
Other:
  • ▪ Main Floor Bedrooms:1
  • ▪ Additional:Bathroom - Walk-In Shower, Built-Ins, Ceiling Fan(s), Combination Dining/Living, Crown Moldings, Entry Level Bedroom, Floor Plan - Traditional, Kitchen - Eat-In, Pantry, Primary Bath(s), Recessed Lighting, Wet/Dry Bar, Window Treatments, Wood Floors, Wine Storage, Kitchen - Gourmet, No Pet Restrictions, Pets Allowed
Water:Public

Exterior Features

Lot:Front Yard,Landscaping,Level,Rear Yard,SideYard(s),Not New Construction,Horse Property: No,In City Limits
Garage Capacity:4
Zoning:R-3
Others:
  • ▪ Additional:Extensive Hardscape, Outbuilding(s), Secure Storage, Sidewalks, Street Lights, Excellent
Sewer:Public Sewer
Parking Features:Gravel Driveway,Stone Driveway,Driveway,On Street,Alley,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$2,636
Taxes
$445

Home Price

$480,000

Loan Details

30 yrs
7.312%

Down Payment

20%
$96,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,635.72

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,635.72 $445.33 $0.00 $3,081.06
Yearly $31,628.70 $5,344.00 $0.00 $36,972.70
Total $948,860.86 $160,320.00 $0.00 $1,109,180.86
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Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Cambridge, MD).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bright MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-11-14T07:10:58.000Z

© 2026 Bright MLS