103 Talbot Ave, Cambridge, MD 21613 Property Records

Dorchester County property record for 103 Talbot Ave, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,724 sqft · built 1950
Lot Size	0.309 acres (13,475 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Aug 2022)
Tax Bill	$3,999 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-129831`

Property Details

APN / Parcel Number

Primary APN	`07-129831`
Alternative APNs	`7129831` `129831`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,724 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Conventional
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	13,475 sqft (0.309 acres)
Garage Type	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Patio Area	72 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	129831
Street Address	103 TALBOT AVE
City	CAMBRIDGE
State	MD
Zip	21613-1511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	L 57-13,475 SQ. FT. 103 TALBOT AVE CAMB
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4005
Census Tract	970400

Owner

103 Talbot Ave is owned and occupied by two individuals who bought it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	103 TALBOT AVE, CAMBRIDGE, MD 21613-1511
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2022 · Amount on File
Deed Sale	Aug 10, 2022 · Amount on File
Prior Sale	Jan 23, 2002 · Amount on File
Deed Book / Page	1760 / 47
Record Updated	Oct 29, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Aug 10, 2022
Property Address	103 TALBOT AVE, CAMBRIDGE, MD 21613-1511
Document Number	0017600047
Book / Page	1760 / 47
Map Reference	LB 1 FO 47
Instrument Date	Aug 2, 2022
Transaction Type	Transfer
Record Updated	Sep 22, 2023
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Joint Tenants
Address	103 TALBOT AVE, CAMBRIDGE, MD 21613-1511

Mortgage

Document Number	0001760054
Date	Aug 10, 2022
Instrument	1760-054

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 103 Talbot Ave was $3,999, up 2.4% 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	$3,999.00 (+2.38%)	$214,033	$226,100 Land $61,900 Building $164,200
2025	$3,906.00
2023	$3,309.00	$179,067	$208,000 Land $52,000 Building $156,000

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

Flood

FEMA maps place 103 Talbot Ave in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 36 individual policies
Nearby Flood Policies	60 units insured incl. 24 condo units
Nearby Flood Claims	25 (1979–2025)
Claims Outside the SFHA	4 of 25
Most Recent Claim	Jul 2025
Claims by Event	Hurricane Isabel, Sep 2003 · 18 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 Talbot Ave is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 85% 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 160 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 Talbot Ave

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