1015 Wagner Point Rd, Cambridge, MD 21613 Property Records

Dorchester County property record for 1015 Wagner Point Rd, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,184 sqft · built 2002
Lot Size	3.04 acres (132,422 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Oct 2005)
Tax Bill	$5,188 (2026)
Deeds & Mortgages	May 2026 Mortgage Sep 2023 Transfer
Flood Zone	Zone X (moderate risk)
APN	`08-185158`

Property Details

APN / Parcel Number

Primary APN	`08-185158`
Alternative APNs	`8185158` `185158`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,184 sqft Total Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	132,422 sqft (3.04 acres)
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	330 sqft
Deck Area	400 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	185158
Street Address	1015 WAGNER POINT RD
City	CAMBRIDGE
State	MD
Zip	21613-3256
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	LOT 3 -3.04 ACRES N/S WAGNER POINT ROAD CAMBRIDGE
Legal Subdivision	HUDSON CRK
Legal Lot Number	3
Jurisdiction	DORCHESTER MD
Township / Civil Division	8, NECK
Census Block Group	3
Census Block	3024
Census Tract	970702

Owner

1015 Wagner Point Rd is owned and occupied by two individuals who acquired it in July 2023.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	1015 WAGNER POINT RD, CAMBRIDGE, MD 21613-3256
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL CORPORATION
Sep 14, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2005 · Amount on File
Deed Sale	Oct 11, 2005 · Amount on File
Prior Sale	Mar 13, 2001 · Amount on File
Deed Document Number	200550435
Deed Book / Page	682 / 132
Last Transfer Date	Jul 28, 2023
Transfer Doc	0018330153
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Recording Date	May 22, 2026
Property Address	1015 WAGNER POINT RD, CAMBRIDGE, MD 21613-3256
Document Number	2016000175
Book / Page	2016 / 175
Instrument Date	May 12, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	VISIONET SYSTEMS INC, VISIONET SYSTEMS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	1015 WAGNER POINT RD, CAMBRIDGE, MD 21613-3256

Mortgage

Document Number	2016000175,
Date	May 22, 2026
Book Page	2016/175

Lender

Name	AMERICAN FINANCIAL CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DORCHESTER MD
Recording Date	Sep 14, 2023
Property Address	1015 WAGNER POINT RD, CAMBRIDGE, MD 21613-3256
Document Number	0018330153
Book / Page	1833 / 153
Map Reference	LB PLC 18 FO 20
Instrument Date	Jul 28, 2023
Transaction Type	Transfer
Record Updated	Oct 5, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Tax Assessment & Valuation

The 2026 property tax bill for 1015 Wagner Point Rd was $5,188 with a homeowner's exemption, up 5.2% 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	$5,188.00 (+5.21%) Homeowner's exemption	$486,500 (+7.52%) Land $58,000 Building $428,500	$486,500 (-) Land $58,000 Building $428,500
2025	$4,931.00 Homeowner's exemption	$452,467	$486,500 Land $58,000 Building $428,500
2023	$4,334.00 Homeowner's exemption	$384,400 Land $58,000 Building $326,400	$384,400 Land $58,000 Building $326,400

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

Flood

FEMA maps place 1015 Wagner Point Rd 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 320 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	320 in force
Nearby Flood Claims	230 (1979–2025)
Claims Outside the SFHA	6 of 230
Most Recent Claim	Nov 2025 · tidal / storm surge
Claims by Event	Hurricane Irene, Aug 2011 · 3 claims Hurricane Isabel, Sep 2003 · 163 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 1015 Wagner Point Rd is high, ranking above 75% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	High above 75% of the US · above 96% of Maryland
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Bay Country Communications.

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