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26 Somerset St , La Plata, MD 20646
$429,900
Est. Payment: $2,288.11/mo
3 Bed
2 Bath
1490 Sqft
0.61 Acres
Status: active | Days on site: 69
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CBRB54 - 114055
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House Description

DRAMATIC PRICE DROP! OFFERS DUE BY 11/15/26. GET IT BEFORE IT'S GONE! —USDA LOAN ELIGIBLE (100% financing for qualified buyers). Completely renovated and move-in ready in the heart of historic La Plata! Welcome to 26 Somerset Street, a beautifully updated 3-bedroom, 2-bath home offering a finished daylight lower level, a large flat fenced backyard, professional landscaping, and a convenient location within walking distance of historic downtown La Plata. Renovated from top to bottom, this home offers a fresh, welcoming interior filled with natural light and new finishes throughout. The kitchen features thoughtfully selected appliances, including a new range with convection cooking, air-fry capability, multiple burner options, steam features, and Wi-Fi connectivity. The new LG washer and dryer also offer upgraded features including steam and sanitize settings. The work has already been done—just move in and enjoy. The finished daylight lower level provides valuable flexible living space with walkout access to the backyard. A cozy fireplace creates a comfortable gathering spot for relaxing or entertaining. Step outside to a large, flat backyard fully enclosed by a privacy fence—plenty of space for pets, gardening, entertaining, recreation, or simply enjoying your own private outdoor space. Professional landscaping adds beautiful curb appeal and a polished finishing touch. Plenty of room to park your RV or build a detached garage for storage. The large, flat lot offers endless possibilities. And don't overlook the location. Historic downtown La Plata is within walking distance, with local shops, restaurants, and services nearby. Major shopping, everyday conveniences, medical facilities, major employers, and military installations are also within easy reach. For those heading toward Washington, D.C., nearby commuter lots and commuter services provide additional transportation options. The Potomac and Patuxent Rivers also put boating and waterfront recreation within an easy drive. USDA Home Loans are issued by qualified lenders and guaranteed by the United States Department of Agriculture (USDA). USDA Home Loans are particularly favorable to those living in rural or low-income areas. USDA Loans offer $0 money down, lenient eligibility requirements and competitive interest rates - due to the loan being guaranteed by the USDA. USDA mortgages stand alone as the only mainstream zero money down program available to borrowers that have not served in the military. Eligible borrowers will be hard pressed to find a home loan program that offers more favorable terms. Income and family size is taken into consideration for eligibility. Ask your lender for more information.

Highlights

Listed by Delaine Campbell , 7039326542 Coldwell Banker Realty , 7035188300. Bright MLS

Property Type

Residential

Lot/Acreage
0.61

Year Built

1973

County

Charles

Neighborhood

None Available

School District

Charles County Public Schools

Listing ID

MDCH2059068

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Air Cleaner, Built-In Microwave, Dishwasher, Disposal, Dryer - Electric, Dryer - Front Loading, Energy Efficient Appliances, Exhaust Fan, Icemaker, Microwave, Oven - Self Cleaning, Oven - Single, Oven/Range - Electric, Range Hood, Refrigerator, Six Burner Stove, Stainless Steel Appliances, Washer - Front Loading, Water Heater, Dual Flush Toilets
Air Cond:Central A/C,Ceiling Fan(s)
Fireplaces:Brick,Mantel(s),Screen,1 Fireplace
Above Ground Sq Ft:1490
Other:
  • ▪ Additional:Bathroom - Tub Shower, Bathroom - Walk-In Shower, Ceiling Fan(s), Combination Dining/Living, Combination Kitchen/Dining, Combination Kitchen/Living, Crown Moldings, Dining Area, Family Room Off Kitchen, Flat, Floor Plan - Open, Kitchen - Island, Kitchen - Table Space, Pantry, Recessed Lighting, Upgraded Countertops, Walk-in Closet(s), Bathroom - Stall Shower, Breakfast Area
Water:Public

Exterior Features

Lot:Not New Construction,Horse Property: No,In City Limits
Garage Capacity:6
Zoning:R8
Others:
  • ▪ Additional:Exterior Lighting, Outbuilding(s), Boat Storage, Play Area, Excellent
Sewer:Public Sewer
Parking Features:Additional Storage Area,Garage - Front Entry,Garage Door Opener,Inside Access,Oversized,Attached Garage,Driveway,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces

Open House

Upcoming Open Houses
Saturday 12:00 pm - 3:00 pm Nov 14
Principal Interest
$2,288
Taxes
$274

Home Price

$429,900

Loan Details

30 yrs
7%

Down Payment

20%
$85,980
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:
$2,288.11

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,288.11 $274.06 $0.00 $2,562.17
Yearly $27,457.30 $3,288.74 $0.00 $30,746.04
Total $823,719.00 $98,662.05 $0.00 $922,381.05
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: 2026-11-13T23:12:42.000Z

© 2026 Bright MLS