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304 Academy St #101

Cambridge, MD, 21613

For Sale $535,000 ($347.63 per Sq Ft)

$535,000 ($347.63 per Sq Ft)

☆☆☆☆☆★★★★★
Not Rated
(0)

2 Bedrooms
2 Bathrooms
1,539 Sq Ft
Unknown Sq Ft

Description

Waterfront End Unit Condo with two boat slips, one featuring a 10,000 lb boat lift, is situated on the tranquil deep waters of Cambridge Creek. With 5' MLW this prime waterfront spot is just a block away from downtown Cambridge's shops, restaurants, brewery, and bars, and only a short walk to the Historic West End District. The recently renovated 2-bedroom, 2-bathroom end unit boasts an open layout with three sliding glass doors leading to a waterside balcony, perfect for dining and seating areas to observe watermen bringing in their daily catch, as well as offering views of the Choptank River. Recent improvements include luxury vinyl plank flooring, quartz countertops, stainless steel appliances, a primary bathroom with a walk-in shower, and a hallway bathroom with subway tile around the white acrylic tub, polyaspartic flooring on the balcony, and a 10,000 lb boat lift. This waterfront condo is indeed a rare find, featuring two deeded boat slips within boating distance of the Chesapeake Bay.

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Amenities

Garage

Pool

Garden

Security System

Internet

Telephone

Heating

Fireplace

Balcony & Patio

TV / Cable

Laundry

Hardwood Floors

Spa

Air Conditioning

Solar Power

Floor Plan

Great Views

Natural Light

Quiet

Water View

Elevator

Guest Unit(s)

Furnished

220 Volt

Property Details

List Price	$535,000
Property Type	Single Family Homes
Usable Sqft	1,539
Number of Stories	4 stories
Parking Spots	1 spots
Year Built	1995
Last Sold	Unknown
Sold Price	Unknown
Association Name:	Harbor Haven Condo Association
Association Amenities:	None, Common Area Maintenance,Ext Bldg Maint,Insurance,Lawn Maintenance,Reserve Funds,Snow Removal,Trash

APN #	1007198043
MLS #	MDDO2009150
Property ID	321352221
Lot Sqft	Unknown
Zoning	PWCD
Total Units	12
Days on Market	9
Original List Price	Unknown
Applicances	Built-In Microwave,Disposal,Dryer,Exhaust Fan,Oven/Range - Electric,Refrigerator,Stainless Steel Appliances,Washer,Water Heater%
Date Updated	March 13, 2025
Date Created	March 12, 2025

Listing Provided By

Sharon Spedden an agent of . Lic #20985

© 2025 Copyright BRIGHT, All Rights Reserved

The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms in which participates, and is provided by BRIGHT through a licensing agreement.

The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Some properties which appear for sale on this website may no longer be available because they are under contract, have Closed or are no longer being offered for sale.

Some real estate firms do not participate in IDX and their listings do not appear on this website. Some properties listed with participating firms do not appear on this website at the request of the seller.

This home sale information is not to be construed as an appraisal and may not be used as such for any purpose.

BRIGHT MLS is the (or a) provider of this home sale information and has compiled content from various sources. Some properties represented may not have actually sold due to reporting errors.

Information Deemed Reliable But Not Guaranteed

Data last updated: March 21, 2025.

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$3,908
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Estimated payment	$3,908 /mo
Loan amount	$535,000
Down payment	$0
Interest rate	7.5%
Loan term	30 years
Taxes & insurance included?	YES
Property tax	1.2%/YR
Homeowner's insurance	$67/mo
HOA dues	$0/mo

Payment Breakdown

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Your payment
$3,908
per month

Amortization

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Principal vs. interest

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Amortization Schedule

Over 360 months you will spend $811,487 in interest.

MONTH	PRINCIPAL & INTEREST	PRINCIPAL	INTEREST	PRINCIPAL REMAINING
1	$3,741	$397	$3,344	$534,603
2	$3,741	$400	$3,341	$534,203
3	$3,741	$402	$3,339	$533,801
4	$3,741	$405	$3,336	$533,396
5	$3,741	$407	$3,334	$532,989
6	$3,741	$410	$3,331	$532,579
7	$3,741	$412	$3,329	$532,167
8	$3,741	$415	$3,326	$531,752
9	$3,741	$418	$3,323	$531,334
10	$3,741	$420	$3,321	$530,914
11	$3,741	$423	$3,318	$530,491
12	$3,741	$425	$3,316	$530,066
13	$3,741	$428	$3,313	$529,638
14	$3,741	$431	$3,310	$529,207
15	$3,741	$433	$3,308	$528,773
16	$3,741	$436	$3,305	$528,337
17	$3,741	$439	$3,302	$527,898
18	$3,741	$442	$3,299	$527,457
19	$3,741	$444	$3,297	$527,012
20	$3,741	$447	$3,294	$526,565
21	$3,741	$450	$3,291	$526,115
22	$3,741	$453	$3,288	$525,662
23	$3,741	$456	$3,285	$525,207
24	$3,741	$458	$3,283	$524,748
25	$3,741	$461	$3,280	$524,287
26	$3,741	$464	$3,277	$523,823
27	$3,741	$467	$3,274	$523,356
28	$3,741	$470	$3,271	$522,886
29	$3,741	$473	$3,268	$522,413
30	$3,741	$476	$3,265	$521,937
31	$3,741	$479	$3,262	$521,458
32	$3,741	$482	$3,259	$520,976
33	$3,741	$485	$3,256	$520,491
34	$3,741	$488	$3,253	$520,003
35	$3,741	$491	$3,250	$519,512
36	$3,741	$494	$3,247	$519,018
37	$3,741	$497	$3,244	$518,521
38	$3,741	$500	$3,241	$518,021
39	$3,741	$503	$3,238	$517,517
40	$3,741	$507	$3,234	$517,011
41	$3,741	$510	$3,231	$516,501
42	$3,741	$513	$3,228	$515,988
43	$3,741	$516	$3,225	$515,472
44	$3,741	$519	$3,222	$514,953
45	$3,741	$523	$3,218	$514,430
46	$3,741	$526	$3,215	$513,905
47	$3,741	$529	$3,212	$513,375
48	$3,741	$532	$3,209	$512,843
49	$3,741	$536	$3,205	$512,307
50	$3,741	$539	$3,202	$511,768
51	$3,741	$542	$3,199	$511,226
52	$3,741	$546	$3,195	$510,680
53	$3,741	$549	$3,192	$510,131
54	$3,741	$553	$3,188	$509,578
55	$3,741	$556	$3,185	$509,022
56	$3,741	$560	$3,181	$508,462
57	$3,741	$563	$3,178	$507,899
58	$3,741	$567	$3,174	$507,333
59	$3,741	$570	$3,171	$506,762
60	$3,741	$574	$3,167	$506,189
61	$3,741	$577	$3,164	$505,611
62	$3,741	$581	$3,160	$505,030
63	$3,741	$585	$3,156	$504,446
64	$3,741	$588	$3,153	$503,858
65	$3,741	$592	$3,149	$503,266
66	$3,741	$596	$3,145	$502,670
67	$3,741	$599	$3,142	$502,071
68	$3,741	$603	$3,138	$501,468
69	$3,741	$607	$3,134	$500,861
70	$3,741	$611	$3,130	$500,250
71	$3,741	$614	$3,127	$499,636
72	$3,741	$618	$3,123	$499,018
73	$3,741	$622	$3,119	$498,395
74	$3,741	$626	$3,115	$497,769
75	$3,741	$630	$3,111	$497,139
76	$3,741	$634	$3,107	$496,506
77	$3,741	$638	$3,103	$495,868
78	$3,741	$642	$3,099	$495,226
79	$3,741	$646	$3,095	$494,580
80	$3,741	$650	$3,091	$493,930
81	$3,741	$654	$3,087	$493,276
82	$3,741	$658	$3,083	$492,618
83	$3,741	$662	$3,079	$491,956
84	$3,741	$666	$3,075	$491,290
85	$3,741	$670	$3,071	$490,619
86	$3,741	$675	$3,066	$489,945
87	$3,741	$679	$3,062	$489,266
88	$3,741	$683	$3,058	$488,583
89	$3,741	$687	$3,054	$487,895
90	$3,741	$692	$3,049	$487,204
91	$3,741	$696	$3,045	$486,508
92	$3,741	$700	$3,041	$485,807
93	$3,741	$705	$3,036	$485,103
94	$3,741	$709	$3,032	$484,394
95	$3,741	$714	$3,027	$483,680
96	$3,741	$718	$3,023	$482,962
97	$3,741	$722	$3,019	$482,240
98	$3,741	$727	$3,014	$481,513
99	$3,741	$732	$3,009	$480,781
100	$3,741	$736	$3,005	$480,045
101	$3,741	$741	$3,000	$479,304
102	$3,741	$745	$2,996	$478,559
103	$3,741	$750	$2,991	$477,809
104	$3,741	$755	$2,986	$477,054
105	$3,741	$759	$2,982	$476,295
106	$3,741	$764	$2,977	$475,531
107	$3,741	$769	$2,972	$474,762
108	$3,741	$774	$2,967	$473,988
109	$3,741	$779	$2,962	$473,209
110	$3,741	$783	$2,958	$472,426
111	$3,741	$788	$2,953	$471,638
112	$3,741	$793	$2,948	$470,844
113	$3,741	$798	$2,943	$470,046
114	$3,741	$803	$2,938	$469,243
115	$3,741	$808	$2,933	$468,435
116	$3,741	$813	$2,928	$467,621
117	$3,741	$818	$2,923	$466,803
118	$3,741	$823	$2,918	$465,980
119	$3,741	$829	$2,912	$465,151
120	$3,741	$834	$2,907	$464,317
121	$3,741	$839	$2,902	$463,478
122	$3,741	$844	$2,897	$462,634
123	$3,741	$850	$2,891	$461,784
124	$3,741	$855	$2,886	$460,929
125	$3,741	$860	$2,881	$460,069
126	$3,741	$866	$2,875	$459,204
127	$3,741	$871	$2,870	$458,333
128	$3,741	$876	$2,865	$457,456
129	$3,741	$882	$2,859	$456,574
130	$3,741	$887	$2,854	$455,687
131	$3,741	$893	$2,848	$454,794
132	$3,741	$899	$2,842	$453,895
133	$3,741	$904	$2,837	$452,991
134	$3,741	$910	$2,831	$452,082
135	$3,741	$915	$2,826	$451,166
136	$3,741	$921	$2,820	$450,245
137	$3,741	$927	$2,814	$449,318
138	$3,741	$933	$2,808	$448,385
139	$3,741	$939	$2,802	$447,446
140	$3,741	$944	$2,797	$446,502
141	$3,741	$950	$2,791	$445,552
142	$3,741	$956	$2,785	$444,595
143	$3,741	$962	$2,779	$443,633
144	$3,741	$968	$2,773	$442,665
145	$3,741	$974	$2,767	$441,690
146	$3,741	$980	$2,761	$440,710
147	$3,741	$987	$2,754	$439,723
148	$3,741	$993	$2,748	$438,731
149	$3,741	$999	$2,742	$437,732
150	$3,741	$1,005	$2,736	$436,727
151	$3,741	$1,011	$2,730	$435,715
152	$3,741	$1,018	$2,723	$434,697
153	$3,741	$1,024	$2,717	$433,673
154	$3,741	$1,031	$2,710	$432,643
155	$3,741	$1,037	$2,704	$431,606
156	$3,741	$1,043	$2,698	$430,562
157	$3,741	$1,050	$2,691	$429,512
158	$3,741	$1,057	$2,684	$428,456
159	$3,741	$1,063	$2,678	$427,393
160	$3,741	$1,070	$2,671	$426,323
161	$3,741	$1,076	$2,665	$425,246
162	$3,741	$1,083	$2,658	$424,163
163	$3,741	$1,090	$2,651	$423,073
164	$3,741	$1,097	$2,644	$421,976
165	$3,741	$1,104	$2,637	$420,873
166	$3,741	$1,111	$2,630	$419,762
167	$3,741	$1,117	$2,624	$418,645
168	$3,741	$1,124	$2,617	$417,520
169	$3,741	$1,132	$2,610	$416,389
170	$3,741	$1,139	$2,602	$415,250
171	$3,741	$1,146	$2,595	$414,104
172	$3,741	$1,153	$2,588	$412,952
173	$3,741	$1,160	$2,581	$411,791
174	$3,741	$1,167	$2,574	$410,624
175	$3,741	$1,175	$2,566	$409,450
176	$3,741	$1,182	$2,559	$408,268
177	$3,741	$1,189	$2,552	$407,078
178	$3,741	$1,197	$2,544	$405,882
179	$3,741	$1,204	$2,537	$404,677
180	$3,741	$1,212	$2,529	$403,466
181	$3,741	$1,219	$2,522	$402,246
182	$3,741	$1,227	$2,514	$401,019
183	$3,741	$1,235	$2,506	$399,785
184	$3,741	$1,242	$2,499	$398,542
185	$3,741	$1,250	$2,491	$397,292
186	$3,741	$1,258	$2,483	$396,034
187	$3,741	$1,266	$2,475	$394,768
188	$3,741	$1,274	$2,467	$393,495
189	$3,741	$1,282	$2,459	$392,213
190	$3,741	$1,290	$2,451	$390,923
191	$3,741	$1,298	$2,443	$389,626
192	$3,741	$1,306	$2,435	$388,320
193	$3,741	$1,314	$2,427	$387,006
194	$3,741	$1,322	$2,419	$385,684
195	$3,741	$1,330	$2,411	$384,353
196	$3,741	$1,339	$2,402	$383,014
197	$3,741	$1,347	$2,394	$381,667
198	$3,741	$1,356	$2,385	$380,312
199	$3,741	$1,364	$2,377	$378,948
200	$3,741	$1,373	$2,368	$377,575
201	$3,741	$1,381	$2,360	$376,194
202	$3,741	$1,390	$2,351	$374,804
203	$3,741	$1,398	$2,343	$373,406
204	$3,741	$1,407	$2,334	$371,998
205	$3,741	$1,416	$2,325	$370,582
206	$3,741	$1,425	$2,316	$369,157
207	$3,741	$1,434	$2,307	$367,724
208	$3,741	$1,443	$2,298	$366,281
209	$3,741	$1,452	$2,289	$364,829
210	$3,741	$1,461	$2,280	$363,368
211	$3,741	$1,470	$2,271	$361,898
212	$3,741	$1,479	$2,262	$360,419
213	$3,741	$1,488	$2,253	$358,931
214	$3,741	$1,498	$2,243	$357,433
215	$3,741	$1,507	$2,234	$355,926
216	$3,741	$1,516	$2,225	$354,410
217	$3,741	$1,526	$2,215	$352,884
218	$3,741	$1,535	$2,206	$351,348
219	$3,741	$1,545	$2,196	$349,803
220	$3,741	$1,555	$2,186	$348,249
221	$3,741	$1,564	$2,177	$346,684
222	$3,741	$1,574	$2,167	$345,110
223	$3,741	$1,584	$2,157	$343,526
224	$3,741	$1,594	$2,147	$341,932
225	$3,741	$1,604	$2,137	$340,328
226	$3,741	$1,614	$2,127	$338,714
227	$3,741	$1,624	$2,117	$337,090
228	$3,741	$1,634	$2,107	$335,456
229	$3,741	$1,644	$2,097	$333,811
230	$3,741	$1,655	$2,086	$332,157
231	$3,741	$1,665	$2,076	$330,492
232	$3,741	$1,675	$2,066	$328,816
233	$3,741	$1,686	$2,055	$327,130
234	$3,741	$1,696	$2,045	$325,434
235	$3,741	$1,707	$2,034	$323,727
236	$3,741	$1,718	$2,023	$322,009
237	$3,741	$1,728	$2,013	$320,281
238	$3,741	$1,739	$2,002	$318,541
239	$3,741	$1,750	$1,991	$316,791
240	$3,741	$1,761	$1,980	$315,030
241	$3,741	$1,772	$1,969	$313,258
242	$3,741	$1,783	$1,958	$311,475
243	$3,741	$1,794	$1,947	$309,681
244	$3,741	$1,805	$1,936	$307,875
245	$3,741	$1,817	$1,924	$306,059
246	$3,741	$1,828	$1,913	$304,230
247	$3,741	$1,840	$1,901	$302,391
248	$3,741	$1,851	$1,890	$300,540
249	$3,741	$1,863	$1,878	$298,677
250	$3,741	$1,874	$1,867	$296,803
251	$3,741	$1,886	$1,855	$294,917
252	$3,741	$1,898	$1,843	$293,019
253	$3,741	$1,910	$1,831	$291,110
254	$3,741	$1,922	$1,819	$289,188
255	$3,741	$1,934	$1,807	$287,254
256	$3,741	$1,946	$1,795	$285,309
257	$3,741	$1,958	$1,783	$283,351
258	$3,741	$1,970	$1,771	$281,381
259	$3,741	$1,982	$1,759	$279,398
260	$3,741	$1,995	$1,746	$277,404
261	$3,741	$2,007	$1,734	$275,396
262	$3,741	$2,020	$1,721	$273,377
263	$3,741	$2,032	$1,709	$271,344
264	$3,741	$2,045	$1,696	$269,299
265	$3,741	$2,058	$1,683	$267,241
266	$3,741	$2,071	$1,670	$265,171
267	$3,741	$2,084	$1,657	$263,087
268	$3,741	$2,097	$1,644	$260,990
269	$3,741	$2,110	$1,631	$258,880
270	$3,741	$2,123	$1,618	$256,757
271	$3,741	$2,136	$1,605	$254,621
272	$3,741	$2,150	$1,591	$252,471
273	$3,741	$2,163	$1,578	$250,308
274	$3,741	$2,177	$1,564	$248,132
275	$3,741	$2,190	$1,551	$245,942
276	$3,741	$2,204	$1,537	$243,738
277	$3,741	$2,218	$1,523	$241,520
278	$3,741	$2,232	$1,510	$239,289
279	$3,741	$2,245	$1,496	$237,043
280	$3,741	$2,259	$1,482	$234,784
281	$3,741	$2,274	$1,467	$232,510
282	$3,741	$2,288	$1,453	$230,222
283	$3,741	$2,302	$1,439	$227,920
284	$3,741	$2,317	$1,425	$225,604
285	$3,741	$2,331	$1,410	$223,273
286	$3,741	$2,346	$1,395	$220,927
287	$3,741	$2,360	$1,381	$218,567
288	$3,741	$2,375	$1,366	$216,192
289	$3,741	$2,390	$1,351	$213,802
290	$3,741	$2,405	$1,336	$211,397
291	$3,741	$2,420	$1,321	$208,978
292	$3,741	$2,435	$1,306	$206,543
293	$3,741	$2,450	$1,291	$204,093
294	$3,741	$2,465	$1,276	$201,627
295	$3,741	$2,481	$1,260	$199,146
296	$3,741	$2,496	$1,245	$196,650
297	$3,741	$2,512	$1,229	$194,138
298	$3,741	$2,528	$1,213	$191,611
299	$3,741	$2,543	$1,198	$189,067
300	$3,741	$2,559	$1,182	$186,508
301	$3,741	$2,575	$1,166	$183,932
302	$3,741	$2,591	$1,150	$181,341
303	$3,741	$2,608	$1,133	$178,733
304	$3,741	$2,624	$1,117	$176,110
305	$3,741	$2,640	$1,101	$173,469
306	$3,741	$2,657	$1,084	$170,812
307	$3,741	$2,673	$1,068	$168,139
308	$3,741	$2,690	$1,051	$165,449
309	$3,741	$2,707	$1,034	$162,742
310	$3,741	$2,724	$1,017	$160,018
311	$3,741	$2,741	$1,000	$157,277
312	$3,741	$2,758	$983	$154,519
313	$3,741	$2,775	$966	$151,744
314	$3,741	$2,793	$948	$148,951
315	$3,741	$2,810	$931	$146,141
316	$3,741	$2,828	$913	$143,314
317	$3,741	$2,845	$896	$140,468
318	$3,741	$2,863	$878	$137,605
319	$3,741	$2,881	$860	$134,724
320	$3,741	$2,899	$842	$131,825
321	$3,741	$2,917	$824	$128,908
322	$3,741	$2,935	$806	$125,973
323	$3,741	$2,954	$787	$123,019
324	$3,741	$2,972	$769	$120,047
325	$3,741	$2,991	$750	$117,056
326	$3,741	$3,009	$732	$114,047
327	$3,741	$3,028	$713	$111,019
328	$3,741	$3,047	$694	$107,972
329	$3,741	$3,066	$675	$104,905
330	$3,741	$3,085	$656	$101,820
331	$3,741	$3,105	$636	$98,715
332	$3,741	$3,124	$617	$95,591
333	$3,741	$3,144	$597	$92,448
334	$3,741	$3,163	$578	$89,285
335	$3,741	$3,183	$558	$86,102
336	$3,741	$3,203	$538	$82,899
337	$3,741	$3,223	$518	$79,676
338	$3,741	$3,243	$498	$76,433
339	$3,741	$3,263	$478	$73,170
340	$3,741	$3,284	$457	$69,886
341	$3,741	$3,304	$437	$66,582
342	$3,741	$3,325	$416	$63,257
343	$3,741	$3,346	$395	$59,911
344	$3,741	$3,367	$374	$56,545
345	$3,741	$3,388	$353	$53,157
346	$3,741	$3,409	$332	$49,748
347	$3,741	$3,430	$311	$46,318
348	$3,741	$3,452	$289	$42,867
349	$3,741	$3,473	$268	$39,394
350	$3,741	$3,495	$246	$35,899
351	$3,741	$3,517	$224	$32,382
352	$3,741	$3,539	$202	$28,844
353	$3,741	$3,561	$180	$25,283
354	$3,741	$3,583	$158	$21,700
355	$3,741	$3,605	$136	$18,095
356	$3,741	$3,628	$113	$14,467
357	$3,741	$3,651	$90	$10,816
358	$3,741	$3,673	$68	$7,143
359	$3,741	$3,696	$45	$3,446
360	$3,741	$3,719	$22	$0

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304 Academy St #101, Cambridge, MD 21613 | For Sale