107 Mill St, Cambridge, MD 21613 Property Records

Dorchester County property record for 107 Mill St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,661 sqft · built 1975
Lot Size	0.424 acres (18,463 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Aug 2019)
Tax Bill	$6,514 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-164645`

Property Details

APN / Parcel Number

Primary APN	`07-164645`
Alternative APNs	`7164645` `164645`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,661 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	18,463 sqft (0.424 acres)
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	800 sqft
Porch	Slab
Porch Area	531 sqft
Patio Area	208 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	164645
Street Address	107 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 18,463 SQ. FT. 107 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

107 Mill St is owned by an individual who acquired it in November 2023.

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

Owner of Record	Individual Name on File
Mailing Address	5606 BRITE DR, BETHESDA, MD 20817-6307
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
Oct 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Aug 13, 2019	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2019 · Amount on File
Deed Sale	Aug 13, 2019 · Amount on File
Prior Sale	Aug 31, 2009 · Amount on File
Deed Book / Page	1534 / 30
Last Transfer Date	Nov 3, 2023
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	107 MILL ST, CAMBRIDGE, MD 21613-1628
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016020316
Date	Oct 20, 2020
Book Page	1602/316

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DORCHESTER MD
Recording Date	Aug 13, 2019
Property Address	107 MILL ST, CAMBRIDGE, MD 21613-1628
Document Number	0015340030
Book / Page	001534 / 000030
Instrument Date	Aug 9, 2019
Transaction Type	Transfer
Record Updated	Aug 29, 2019
Title Company	CAMBRIDGE TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	15606 BRITE DR BETHESDA MD 20817, BETHESDA, MD 20817

Mortgage

Document Number	15340036
Date	Aug 13, 2019
Book Page	001534/000036

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 12, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 107 Mill St was $6,514, down 3.3% 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	$6,514.00 (-3.25%)	$348,600 (-2.76%) Land $61,500 Building $287,100	$348,600 (-2.76%) Land $61,500 Building $287,100
2025	$6,733.00	$358,500 Land $61,500 Building $297,000	$358,500 Land $61,500 Building $297,000
2023	$5,767.00	$312,033	$358,500 Land $61,500 Building $297,000

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

Flood

FEMA maps place 107 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 107 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

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