1012 Race St, Cambridge, MD 21613 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,088 sqft · built 1900
Lot Size	0.184 acres (8,000 sqft)
Owner	Individual Name on Record
Last Sale	$64,000 (Oct 2022)
Tax Bill	$1,784 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-143397`

Property Details

APN / Parcel Number

Primary APN	`07-143397`
Alternative APNs	`7143397` `143397`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,088 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,000 sqft (0.184 acres)
Porch	Slab
Porch Area	582 sqft

Utilities, Heating & Cooling

Heating System	Space Heater
Sewer	Connected

Location & Zoning

Account Number	143397
Street Address	1012 RACE ST
City	CAMBRIDGE
State	MD
Zip	21613-2998
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 8,000 SQ. FT. 1012 RACE STREET CAMBRIDGE
Legal Subdivision	RACE STREET EXTENDED
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	1
Census Block	1026
Census Tract	970600

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	Individual Name on Record
Mailing Address	1012 RACE ST, CAMBRIDGE, MD 21613-2998
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2022	Deed, Transfer · Stand-Alone First Mortgage PHILIP F ERA ETAL
Aug 7, 2019	Grant Deed, Transfer SPEDDEN LAND CO LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2022 · Amount on Record
Deed Sale	Oct 27, 2022 · Amount on Record
Prior Sale	Aug 7, 2019 · Amount on Record
Deed Book / Page	1776 / 66
Prior Transfer Date	Jun 15, 2015
Prior Transfer Doc	0012710006
Record Updated	Oct 29, 2026

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Oct 27, 2022
Property Address	1012 RACE ST, CAMBRIDGE, MD 21613-2998
Document Number	0017760066
Book / Page	1776 / 66
Instrument Date	Oct 5, 2022
Transaction Type	Transfer
Record Updated	Nov 10, 2022
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
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 in Severalty
Address	1012 RACE ST, CAMBRIDGE, MD 21613-2998

Mortgage

Document Number	0001776074
Date	Oct 27, 2022
Instrument	1776-074

Lender

Name	PHILIP F ERA ETAL
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 5, 2042

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DORCHESTER MD
Recording Date	Aug 7, 2019
Property Address	1012 RACE ST, CAMBRIDGE, MD 21613-2998
Document Number	0015330101
Book / Page	001533 / 000101
Instrument Date	Jul 25, 2019
Transaction Type	Transfer
Record Updated	Aug 29, 2019
Title Company	REAL ESTATE TITLE AND ESCROW, REAL ESTATE TITLE & ESCROW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$70.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	13 MERRYWEATHER DR CAMBRIDGE MD 216131346, CAMBRIDGE, MD 21613-1346

Mortgage

Document Number	15330105
Date	Aug 7, 2019
Book Page	001533/000105

Lender

Name	SPEDDEN LAND CO LLC

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Aug 6, 2039

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	$1,784.00 (-2.57%)	$95,500 (-2.05%) Land $21,400 Building $74,100	$95,500 (-2.05%) Land $21,400 Building $74,100
2025	$1,831.00 (+16.92%)	$97,500 (+15.02%) Land $21,400 Building $76,100	$97,500 (-) Land $21,400 Building $76,100
2023	$1,566.00	$84,767	$97,500 Land $21,400 Building $76,100

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	4 (1979–2003)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2003 · Hurricane Isabel

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 67% of the US · above 68% of Maryland
Wildfire Likelihood	0.02% 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 473 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250

May also be available: Bay Country Communications, Verizon.

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