Dorchester County property record for 1020 River Point Rd, Cambridge, MD 21613
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,190 sqft · built 2005 |
| Lot Size | 1.31 acres (57,064 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $676,000 (Jul 2021) |
| Tax Bill | $7,902 (2026) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 08-180776 |
| Primary APN | 08-180776 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,190 sqft Total Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 57,064 sqft (1.31 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 108 sqft |
| Deck Area | 1,135 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 180776 |
|---|---|
| Street Address | 1020 RIVER POINT RD |
| City | CAMBRIDGE |
| State | MD |
| Zip | 21613-3243 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 11 THRU 14 1.31 ACRES NE OF TODDS POINT ROAD |
| Legal Subdivision | JAMES ELDRIDGE THOMAS LANDS |
| Legal Lot Number | 11-14 |
| Jurisdiction | DORCHESTER MD |
| Township / Civil Division | 8, NECK |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 970702 |
1020 River Point Rd is owned by two individuals who bought it in July 2021.
Source: Dorchester County records, as of October 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 822 CONSTITUTION AVE NE, WASHINGTON, DC 20002-6004 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2021 · Amount on File |
| Deed Sale | Jul 13, 2021 · Amount on File |
| Prior Sale | Sep 26, 2012 · Amount on File |
| Deed Book / Page | 1665 / 141 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Recording Date | Jul 13, 2021 |
| Property Address | 1020 RIVER POINT RD, CAMBRIDGE, MD 21613-3243 |
| Document Number | 0016650141 |
| Book / Page | 1665 / 141 |
| Map Reference | MB 45 FO 161B |
| Instrument Date | Jul 8, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | EASTERN MT TITLE COMPANY, EASTERN SHORE TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 822 CONSTITUTION AVE NE, WASHINGTON, DC 20002-6004 |
| Document Number | 0001665146 |
|---|---|
| Date | Jul 13, 2021 |
| Instrument | 1665/146 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
The 2026 property tax bill for 1020 River Point Rd was $7,902, up 8.4% from the year before.
Source: Dorchester County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Dorchester County |
| Unified School District | Dorchester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,902.00 (+8.35%) | $686,700 Land $250,400 Building $436,300 | $686,700 Land $250,400 Building $436,300 |
| 2025 | $7,293.00 | ||
| 2023 | $5,919.00 | $526,900 Land $250,400 Building $276,500 | $526,900 Land $250,400 Building $276,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1020 River Point Rd 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 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 |
|
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 risk around 1020 River Point Rd is moderate, ranking above 58% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · above 91% of Maryland |
|---|---|
| Wildfire Likelihood | 0.1% 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.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 25 / 3 |
May also be available: Verizon.
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