10 Sandy Acres Rd, Cambridge, MD 21613 Property Records

Dorchester County property record for 10 Sandy Acres Rd, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,470 sqft · built 1973
Lot Size	0.238 acres (10,377 sqft)
Owner	2 Individual Names on File
Last Sale	$176,000 (Feb 2018)
Tax Bill	$2,449 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Feb 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-177941`

Property Details

APN / Parcel Number

Primary APN	`07-177941`
Alternative APNs	`7177941` `177941`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,470 sqft Total Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,377 sqft (0.238 acres)
Garage Type	Attached
Garage Area	330 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	120 sqft
Deck Area	636 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	177941
Street Address	10 SANDY ACRES RD
City	CAMBRIDGE
State	MD
Zip	21613-1014
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	LOT 4 N OF SANDY HILL RD CAMBRIDGE
Legal Subdivision	MERRILL HARRIS JR SUB
Legal Lot Number	4
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4019
Census Tract	970702

Owner

10 Sandy Acres Rd is owned and occupied by two individuals who bought it in February 2018.

Source: Dorchester County records, as of October 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10 SANDY ACRES RD, CAMBRIDGE, MD 21613-1014
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Feb 27, 2018	Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Nov 2, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2018 · Amount on File
Deed Sale	Feb 27, 2018 · Amount on File
Prior Sale	Dec 22, 2017 · Amount on File
Deed Book / Page	1449 / 253
Prior Transfer Date	Nov 2, 2017
Prior Transfer Doc	0014390404
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	10 SANDY ACRES RD, CAMBRIDGE, MD 21613-1014
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016130136
Date	Dec 10, 2020
Book Page	1613/136

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Feb 27, 2018
Property Address	10 SANDY ACRES RD, CAMBRIDGE, MD 21613-1014
Document Number	0014490253
Book / Page	1449 / 253
Map Reference	LB PLC13 FO62
Instrument Date	Feb 12, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	ADVANTAGE TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,200.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	24 APPLETREE DR, RHINEBECK, NY 12572-1029

Mortgage

Document Number	0001449259
Date	Feb 27, 2018
Instrument	1449/259

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DORCHESTER MD
Recording Date	Nov 2, 2017
Property Address	10 SANDY ACRES RD, CAMBRIDGE, MD 21613-1014
Document Number	0014390404
Book / Page	001439 / 000404
Instrument Date	Nov 2, 2017
Transaction Type	Transfer
Record Updated	Jan 4, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	10 SANDY ACRES RD CAMBRIDGE MD 216131014, CAMBRIDGE, MD 21613-1014

Tax Assessment & Valuation

The 2026 property tax bill for 10 Sandy Acres Rd was $2,449 with a homeowner's exemption, up 2.7% from the year before.

Source: Dorchester County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Dorchester County
Unified School District	Dorchester County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,449.00 (+2.73%) Homeowner's exemption	$209,267 (+1.44%)	$215,200 (+4.31%) Land $36,600 Building $178,600
2025	$2,384.00 Homeowner's exemption	$206,300 Land $36,600 Building $169,700	$206,300 Land $36,600 Building $169,700
2023	$2,111.00 Homeowner's exemption	$185,833	$206,300 Land $36,600 Building $169,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10 Sandy Acres Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 10, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 24 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	31 units insured incl. 7 condo units
Nearby Flood Claims	10 (1993–2024)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Hurricane Isabel, Sep 2003 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 10 Sandy Acres Rd is low, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 77% of Maryland
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF CAMBRIDGE WATER serves 15,000 people · EPA ID MD0090002
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	4 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Bay Country Communications.

Cell Coverage

5G and 4G LTE (outdoors only)

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