1003 Hambrooks Ave, Cambridge, MD 21613 Property Records

Dorchester County property record for 1003 Hambrooks Ave, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,974 sqft · built 2005
Lot Size	0.187 acres (8,159 sqft)
Owner	2 Trust Names on File
Last Sale	$395,000 (Jan 2020)
Tax Bill	$7,071 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Jan 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`07-150024`

Property Details

APN / Parcel Number

Primary APN	`07-150024`
Alternative APNs	`7150024` `150024`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,974 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,159 sqft (0.187 acres)
View / Lot	Waterfront
Garage Type	Detached
Garage Area	625 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	198 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	150024
Street Address	1003 HAMBROOKS AVE
City	CAMBRIDGE
State	MD
Zip	21613-1605
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	LOT 5 8,159 SQ. FT. 1003 HAMBROOKS BLVD COR-OAKLEY-HAMBRKS-CAMB
Legal Subdivision	LANDS OF OAKLEY BEACH LLC
Legal Lot Number	5
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

1003 Hambrooks Ave is owner-occupied and held in a trust since January 2020.

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

Owner of Record	2 Trust Names on File
Mailing Address	1003 HAMBROOKS AVE, CAMBRIDGE, MD 21613-1605
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Jan 29, 2020	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Feb 27, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 14, 2017	Intrafamily Transfer, Transfer · ARM INTERCOASTAL MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2020 · Amount on File
Deed Sale	Jan 29, 2020 · Amount on File
Prior Sale	Dec 14, 2005 · Amount on File
Deed Book / Page	1559 / 511
Prior Transfer Date	Dec 14, 2018
Prior Transfer Doc	0015070217
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	1003 HAMBROOKS AVE, CAMBRIDGE, MD 21613-1605
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	EASTERN SHORE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016170001
Date	Dec 22, 2020
Book Page	1617/1

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

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

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Jan 29, 2020
Property Address	1003 HAMBROOKS AVE, CAMBRIDGE, MD 21613-1605
Document Number	0015590511
Book / Page	1559 / 511
Map Reference	LB 50 FO 01
Instrument Date	Jan 21, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1003 HAMBROOKS AVE, CAMBRIDGE, MD 21613-1605

Mortgage

Document Number	0001559516
Date	Jan 29, 2020
Instrument	1559/516

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

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

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DORCHESTER MD
Recording Date	Feb 27, 2019
Property Address	1003 HAMBROOKS AVE, CAMBRIDGE, MD 21613-1605
Document Number	0015070217
Book / Page	001507 / 000217
Instrument Date	Dec 14, 2018
Transaction Type	Transfer
Record Updated	Mar 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1003 HAMBROOKS AVE CAMBRIDGE MD 216131605, CAMBRIDGE, MD 21613-1605

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DORCHESTER MD
Recording Date	Dec 14, 2017
Property Address	1003 HAMBROOKS AVE, CAMBRIDGE, MD 21613-1605
Document Number	0014370278
Book / Page	1437 / 278
Map Reference	CAB50 PL01
Instrument Date	Nov 22, 2017
Instrument	1437-278
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	RGS TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3100 CASTLETON CT, 3100, OAKTON, VA 22124-1764

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1003 HAMBROOKS AVE, CAMBRIDGE, MD 21613-1605

Mortgage

Document Number	0001437284
Date	Dec 14, 2017
Instrument	1437-284

Lender

Name	INTERCOASTAL MORTGAGE CO
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Dec 1, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.37%
Index	1-Year LIBOR
Max Rate	8.37%

Tax Assessment & Valuation

The 2026 property tax bill for 1003 Hambrooks Ave was $7,071 with a homeowner's exemption, up 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	$7,071.00 (+3.05%) Homeowner's exemption	$378,433 (+1.46%)	$389,300 (+4.37%) Land $61,400 Building $327,900
2025	$6,862.00 Homeowner's exemption	$373,000 Land $61,400 Building $311,600	$373,000 Land $61,400 Building $311,600
2023	$6,121.00 Homeowner's exemption	$334,467	$373,000 Land $61,400 Building $311,600

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

Flood

FEMA maps place 1003 Hambrooks Ave in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 1003 Hambrooks Ave 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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