103 Mill St, Cambridge, MD 21613 Property Records

Dorchester County property record for 103 Mill St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,665 sqft · built 1912
Lot Size	0.223 acres (9,734 sqft)
Owner	2 Trust Names on File
Last Sale	$285,000 (Mar 2017)
Tax Bill	$4,788 (2026)
Deeds & Mortgages	Nov 2022 Transfer Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-105150`

Property Details

APN / Parcel Number

Primary APN	`07-105150`
Alternative APNs	`7105150` `105150`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,665 sqft Total Area

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,734 sqft (0.223 acres)
Garage Type	Detached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	411 sqft
Deck Area	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	105150
Street Address	103 MILL ST
City	CAMBRIDGE
State	MD
Zip	21613-1628
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 9,734 SQ. FT. 103 MILL STREET CAMBRIDGE
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	3
Census Block	3014
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

103 Mill St is owner-occupied and held in a trust since November 2022.

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

Owner of Record	2 Trust Names on File
Mailing Address	103 MILL ST, CAMBRIDGE, MD 21613-1628
Occupancy	Owner Occupied
Owner Type	Company
Vesting	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
Nov 30, 2022	Intrafamily Transfer, Transfer
Mar 23, 2017	Deed, Transfer · Conventional Mortgage THE COLUMBIA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2017 · Amount on File
Deed Sale	Mar 23, 2017 · Amount on File
Prior Sale	Dec 2, 2005 · Amount on File
Deed Document Number	20171391-044
Deed Book / Page	1391 / 44
Last Transfer Date	Nov 22, 2022
Transfer Doc	0017810486
Record Updated	Oct 29, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DORCHESTER MD
Recording Date	Nov 30, 2022
Property Address	103 MILL ST, CAMBRIDGE, MD 21613-1628
Document Number	0017810486
Book / Page	1781 / 486
Instrument Date	Nov 22, 2022
Transaction Type	Transfer
Record Updated	Jun 7, 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	Revocable Trust
Address	103 MILL ST, CAMBRIDGE, MD 21613-1628

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Mar 23, 2017
Property Address	103 MILL ST, CAMBRIDGE, MD 21613-1628
Document Number	0013910044
Book / Page	1391 / 044
Map Reference	LB32 FO594
Instrument Date	Mar 20, 2017
Instrument	1391-044
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	ATLANTIC TITLE & ESCROW CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,562.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11433 IAGER BLVD, FULTON, MD 20759-2508

Mortgage

Document Number	0001391050
Date	Mar 23, 2017
Instrument	1391-050

Lender

Name	THE COLUMBIA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 103 Mill St was $4,788 with a homeowner's exemption, up 4.9% 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	$4,788.00 (+4.86%) Homeowner's exemption	$363,867 (+0.32%)	$366,200 (+0.96%) Land $60,600 Building $305,600
2025	$4,566.00 Homeowner's exemption	$362,700 Land $60,600 Building $302,100	$362,700 Land $60,600 Building $302,100
2023	$4,048.00 Homeowner's exemption	$315,033	$362,700 Land $60,600 Building $302,100

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

Flood

FEMA maps place 103 Mill St in Zone X, an area of minimal 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 minimal risk
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 28 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	78 units insured incl. 50 condo units
Nearby Flood Claims	27 (1985–2024)
Claims Outside the SFHA	7 of 27
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 13 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 103 Mill St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Nearby Properties on Mill St

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