105 Oak St, Cambridge, MD 21613 Property Records

Dorchester County property record for 105 Oak St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,812 sqft · built 1962
Lot Size	0.918 acres (40,000 sqft)
Owner	2 Individual Names on File
Last Sale	$281,500 (Dec 2019)
Tax Bill	$2,225 (2026)
Deeds & Mortgages	Dec 2019 Sale & Mortgage Dec 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`07-107021`

Property Details

APN / Parcel Number

Primary APN	`07-107021`
Alternative APNs	`7107021` `107021`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,812 sqft Total Area

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	40,000 sqft (0.918 acres)
Porch	Slab
Porch Area	296 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	107021
Street Address	105 OAK ST
City	CAMBRIDGE
State	MD
Zip	21613-1239
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	LOT 40,000 SQ. FT. 105 OAK STREET CAMBRIDGE
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4031
Census Tract	970702

Owner

105 Oak St is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	105 OAK ST, CAMBRIDGE, MD 21613-1239
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

Date	Document
Dec 5, 2019	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Dec 11, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2019 · Amount on File
Deed Sale	Dec 5, 2019 · Amount on File
Prior Sale	Aug 23, 2003 · Amount on File
Deed Book / Page	1551 / 361
Transfer Doc	0004700615
Record Updated	Oct 29, 2026

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Dec 5, 2019
Property Address	105 OAK ST, CAMBRIDGE, MD 21613-1239
Document Number	0015510361
Book / Page	1551 / 361
Instrument Date	Nov 27, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	DBA REAL ESTATE T&E

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	Tenants by the Entirety
Address	105 OAK ST, CAMBRIDGE, MD 21613-1239

Mortgage

Document Number	0001551370
Date	Dec 5, 2019
Instrument	1551/370

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DORCHESTER MD
Recording Date	Dec 11, 2018
Property Address	105 OAK ST, CAMBRIDGE, MD 21613-1239
Document Number	0014970074
Book / Page	001497 / 000074
Instrument Date	Dec 6, 2018
Transaction Type	Transfer
Record Updated	Dec 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	105 OAK ST CAMBRIDGE MD 216131239, CAMBRIDGE, MD 21613-1239

Tax Assessment & Valuation

The 2026 property tax bill for 105 Oak St was $2,225, up 0.3% 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	$2,225.00 (+0.27%)	$189,600 (+0.26%)	$190,600 (+0.79%) Land $39,600 Building $151,000
2025	$2,219.00	$189,100 Land $39,600 Building $149,500	$189,100 Land $39,600 Building $149,500
2023	$1,966.00	$171,433	$189,100 Land $39,600 Building $149,500

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

Flood

FEMA maps place 105 Oak St in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1993.

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
Flood Insurance Cost	Premium on File median of 24 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	31 units insured incl. 7 condo units
Nearby Flood Claims	10 (1993–2024)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Hurricane Isabel, Sep 2003 · 4 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 105 Oak St is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 80% of Maryland
Wildfire Likelihood	0.06% 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 269 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.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures