10 Willis St, Cambridge, MD 21613 Property Records

Dorchester County property record for 10 Willis St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,696 sqft · built 1908
Lot Size	0.106 acres (4,609 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Aug 2026)
Tax Bill	$2,745 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`07-121504`

Property Details

APN / Parcel Number

Primary APN	`07-121504`
Alternative APNs	`7121504` `121504`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,696 sqft Total Area

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	4,609 sqft (0.106 acres)
View / Lot	Waterfront
Porch	Porch
Porch Area	228 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	121504
Street Address	10 WILLIS ST
City	CAMBRIDGE
State	MD
Zip	21613-1617
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	LOT 4,609 SQ. FT. 10 WILLIS STREET CAMBRIDGE
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4001
Census Tract	970400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Cambridge Historic District, Wards I and III listed 1990 · 675 contributing resources · NRIS 90001370

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

10 Willis St is owned and occupied by an individual who bought it in August 2026.

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

Owner of Record	Individual Name on File
Mailing Address	10 WILLIS ST, CAMBRIDGE, MD 21613-1617
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Aug 19, 2026	Deed, Transfer · FHA Mortgage NFM LENDING
Nov 30, 2020	Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2026 · Amount on File
Deed Sale	Aug 19, 2026 · Amount on File
Prior Sale	Jul 18, 2022 · Amount on File
Deed Book / Page	2035 / 216
Transfer Doc	0000040801
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Aug 19, 2026
Property Address	10 WILLIS ST, CAMBRIDGE, MD 21613-1617
Document Number	2035000216
Book / Page	2035 / 216
Instrument Date	Aug 5, 2026
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166,650.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	10 WILLIS ST, CAMBRIDGE, MD 21613-1617

Mortgage

Document Number	2035000224,
Date	Aug 19, 2026
Book Page	2035/224

Lender

Name	NFM LENDING

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	2035000242,
Date	Aug 19, 2026
Book Page	2035/242

Lender

Name	DEPARTMENT OF HOUSING AND COM

Agreement

Amount	Amount on Record

Interest

Max Rate	-1%

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Nov 30, 2020
Property Address	10 WILLIS ST, CAMBRIDGE, MD 21613-1617
Document Number	0016110286
Book / Page	1611 / 286
Instrument Date	Nov 20, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	EASTERN SHORE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2496 TREE HOUSE DR, WOODBRIDGE, VA 22192-1316

Mortgage

Document Number	0001611292
Date	Nov 30, 2020
Instrument	1611/292

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 10 Willis St was $2,745, up 2.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,745.00 (+2.27%)	$146,900 (+2.8%)	$154,900 (+8.4%) Land $66,100 Building $88,800
2025	$2,684.00	$142,900 Land $56,000 Building $86,900	$142,900 Land $56,000 Building $86,900
2023	$2,522.00	$136,500	$142,900 Land $56,000 Building $86,900

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

Flood

FEMA maps place 10 Willis St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	4.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 36 individual policies
Nearby Flood Policies	60 units insured incl. 24 condo units
Nearby Flood Claims	25 (1979–2025)
Claims Outside the SFHA	4 of 25
Most Recent Claim	Jul 2025
Claims by Event	Hurricane Isabel, Sep 2003 · 18 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

The area around 10 Willis St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 687 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, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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