Dorchester County property record for 109 Choptank Ave, Cambridge, MD 21613
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,180 sqft · built 1918 |
| Lot Size | 0.125 acres (5,438 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $35,000 (Aug 2011) |
| Tax Bill | $2,234 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-140665 |
| Primary APN | 07-140665 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,180 sqft Total Area |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Architectural Style | Conventional |
| Exterior Material | Other |
| Roof Material | Composition Shingle |
| Lot Area | 5,438 sqft (0.125 acres) |
| Porch | Slab |
| Porch Area | 440 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 140665 |
|---|---|
| Street Address | 109 CHOPTANK AVE |
| City | CAMBRIDGE |
| State | MD |
| Zip | 21613-1678 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 5,438 SQ. FT. 109 CHOPTANK AVENUE CAMBRIDGE |
| Jurisdiction | DORCHESTER MD |
| Township / Civil Division | 7, CAMBRIDGE |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 970400 |
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.
109 Choptank Ave is owned and occupied by two individuals who bought it in August 2011.
Source: Dorchester County records, as of October 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 CHOPTANK AVE, CAMBRIDGE, MD 21613-1678 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 2011 · Amount on File |
| Deed Sale | Aug 22, 2011 · Amount on File |
| Prior Sale | Aug 22, 2011 · Amount on File |
| Deed Book / Page | 1046 / 450 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 109 Choptank Ave was $2,234 with a homeowner's exemption, up 4.8% from the year before.
Source: Dorchester County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Dorchester County |
| Municipality | Cambridge City |
| Unified School District | Dorchester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,234.00 (+4.78%) Homeowner's exemption | $160,233 | $239,300 Land $51,200 Building $188,100 |
| 2025 | $2,132.00 Homeowner's exemption | ||
| 2023 | $1,899.00 Homeowner's exemption | $105,367 | $120,700 Land $30,200 Building $90,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Choptank 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 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 |
|
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.
The area around 109 Choptank Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures