1012 Locust St, Cambridge, MD 21613 Property Records

Dorchester County property record for 1012 Locust St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,830 sqft · built 1910
Lot Size	0.213 acres (9,280 sqft)
Owner	2 Individual Names on Record
Last Sale	$339,000 (Sep 2024)
Tax Bill	$5,401 (2026)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-170912`

Property Details

APN / Parcel Number

Primary APN	`07-170912`
Alternative APNs	`7170912` `170912`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,262 sqft Total Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,280 sqft (0.213 acres)
Porch	Slab
Porch Area	284 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	170912
Street Address	1012 LOCUST ST
City	CAMBRIDGE
State	MD
Zip	21613-1550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 9,280 SQ. FT. 1012 LOCUST ST CAM
Legal Subdivision	LOCUST STREET
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	2
Census Block	2014
Census Tract	970500

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

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1012 LOCUST ST, CAMBRIDGE, MD 21613-1550
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2023	Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB
Apr 19, 2022	Deed, Transfer · Commercial Mortgage MCU FINANCIAL CENTER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2024 · Amount on Record
Deed Sale	Sep 6, 2024 · Amount on Record
Prior Sale	Apr 27, 2023 · Amount on Record
Deed Book / Page	1898 / 277
Record Updated	Oct 29, 2026

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Apr 27, 2023
Property Address	1012 LOCUST ST, CAMBRIDGE, MD 21613-1550
Document Number	0018070446
Book / Page	1807 / 446
Instrument Date	Apr 14, 2023
Transaction Type	Transfer
Record Updated	May 17, 2023
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
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	42301 GUILDHALL DR, ASHBURN, VA 20148-4337

Mortgage

Document Number	0001807452
Date	Apr 27, 2023
Instrument	1807-452

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2030
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	12%
Index	1-Year CMT
Max Rate	12%

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Apr 19, 2022
Property Address	1012 LOCUST ST, CAMBRIDGE, MD 21613-1550
Document Number	0017350365
Book / Page	1735 / 365
Instrument Date	Jan 26, 2022
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	ATG TITLE INC

Transaction

Amount	Amount Recorded
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
Address	116 SHADY HILL ROAD, CAMBRIDGE, MD 21613

Mortgage

Document Number	0001735371
Date	Apr 19, 2022
Instrument	1735-371

Lender

Name	MCU FINANCIAL CENTER CU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$5,401.00 (+4.49%) Homeowner's exemption	$290,100 (+24.61%)	$319,900 (+16.24%) Land $30,600 Building $289,300
2025	$5,169.00 (+20.15%) Homeowner's exemption
2023	$4,302.00	$232,800	$275,200 Land $30,600 Building $244,600

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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

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

Wildfire Risk	Low lower than 66% of the US · above 70% of Maryland
Wildfire Likelihood	0.03% 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 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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