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305 Centennial Street 201 K , La Plata, MD 20646
$250,000
Est. Payment: $1,330.60/mo
1 Bed
2 Bath
1419 Sqft
Status: active | Days on site: 273
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CENT2016 - 92743
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House Description

Seller will provide 5% ($12,500) towards down payment. - Spacious and beautifully maintained two-level condo in the heart of downtown La Plata, offering over 1,400 square feet of comfortable, flexible living just steps from shops, dining, and local conveniences. This thoughtfully designed home features an open main level fresh paint with a bright living area, dedicated dining space, and an updated kitchen with ample cabinetry and functional layout—ideal for both everyday living and entertaining. Large windows bring in great natural light, enhancing the warm and inviting feel throughout the space. Upstairs, the oversized primary suite includes a private full bath and generous closet space. The additional loft/den area provides excellent flexibility and can easily serve as a home office, guest space, or potential second bedroom depending on your needs. The home includes two full baths plus a convenient half bath, in-unit laundry, newer HVAC system, and two assigned parking spaces. A private balcony extends your living space outdoors—perfect for morning coffee or relaxing in the evening. Conventional financing required (minimum 10% down) with local lenders familiar with the community, helping ensure a smooth and straightforward process. Seller will provide 5% towards down payment. Located in a highly desirable walkable setting, this property offers low-maintenance living with unmatched convenience. Restaurants, shops, and downtown La Plata amenities are all just moments away. A rare opportunity to own a spacious and flexible home in one of La Plata’s most convenient in-town locations—ideal for professionals, downsizers, or anyone seeking easy, low-maintenance living with modern comfort.

Highlights

Listed by Laura L Forbes , 7039282235 CENTURY 21 New Millennium , 3016099000. Bright MLS

Property Type

Condo

Year Built

2009

County

Charles

Neighborhood

Centennial Commons

School District

Charles County Public Schools

Listing ID

MDCH2050662

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:1
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:1
  • ▪ 1/2 Bathrooms:1
Appliances:Built-In Microwave, Dishwasher, Disposal, Dryer, Oven/Range - Electric, Refrigerator, Washer, Water Heater, Dryer - Electric, Dryer - Front Loading, Exhaust Fan, Stainless Steel Appliances
Air Cond:Central A/C,Ceiling Fan(s),Heat Pump(s)
Fireplaces:
Floor:Carpet,Ceramic Tile
Above Ground Sq Ft:1419
Other:
  • ▪ Additional:Bathroom - Soaking Tub, Bathroom - Walk-In Shower, Breakfast Area, Carpet, Ceiling Fan(s), Floor Plan - Open, Kitchen - Country, Walk-in Closet(s), Upgraded Countertops, Attic/House Fan, Combination Dining/Living, Crown Moldings, Chair Railings, Kitchen - Island, Kitchen - Table Space, Primary Bath(s), Recessed Lighting, Sprinkler System, Window Treatments, Breed Restrictions, Pets Allowed
Water:Public

Exterior Features

Lot:Backs - Open Common Area,Cleared,Front Yard,Landscaping,SideYard(s),Not New Construction,Horse Property: No,In City Limits
Garage Capacity:2
Zoning:CBT
Roof:Architectural Shingle
Others:
  • ▪ Additional:Exterior Lighting, Flood Lights, Sidewalks, Street Lights, Excellent, All Ground Fee, Common Area Maintenance, Ext Bldg Maint, Lawn Maintenance, Management, Reserve Funds, Sewer, Snow Removal, Trash, Water
Sewer:Public Sewer
Parking Features:Asphalt Driveway,Lighted Parking,Parking Space Conveys,Paved Parking,Public,Parking Lot,2+ Spaces,1+ Spaces
Principal Interest
$1,331
Taxes
$341

Home Price

$250,000

Loan Details

30 yrs
7%

Down Payment

20%
$50,000
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:
$1,330.60

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,330.60 $341.08 $324.00 $1,995.69
Yearly $15,967.26 $4,093.00 $3,888.00 $23,948.26
Total $479,017.80 $122,790.00 $116,640.00 $718,447.80
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (La Plata, 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: 2026-11-14T01:13:51.000Z

© 2026 Bright MLS