Dorchester County property record for 109 Oakley St, Cambridge, MD 21613
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 3,228 sqft · built 1938 |
| Lot Size | 0.521 acres (22,708 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $374,075 (Aug 2016) |
| Tax Bill | $8,287 (2025) |
| Deeds & Mortgages | Feb 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-147244 |
| Primary APN | 07-147244 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 3,228 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Slate |
| Lot Area | 22,708 sqft (0.521 acres) |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 352 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Radiant |
| Sewer | Connected |
| Account Number | 147244 |
|---|---|
| Street Address | 109 OAKLEY ST |
| City | CAMBRIDGE |
| State | MD |
| Zip | 21613-1607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 22,708 SQ. FT. 109 OAKLEY STREET CAMBRIDGE |
| Legal Subdivision | CAMBRIDGE |
| Jurisdiction | DORCHESTER MD |
| Township / Civil Division | 7, CAMBRIDGE |
| Census Block Group | 4 |
| Census Block | 4006 |
| 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.
Source: Dorchester County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 109 OAKLEY ST, CAMBRIDGE, MD 21613-1607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 25, 2016 · Amount on Record |
| Deed Sale | Aug 25, 2016 · Amount on Record |
| Prior Sale | Aug 5, 1998 · Amount on Record |
| Deed Book / Page | 1350 / 1 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Property Address | 109 OAKLEY ST, CAMBRIDGE, MD 21613-1607 |
| Document Number | 0014490343 |
| Instrument Date | Feb 8, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 109 OAKLEY ST CAMBRIDGE MD 216131607, CAMBRIDGE, MD 21613-1607 |
| Document Number | 0014490343 |
|---|---|
| Date | Feb 28, 2018 |
| Book Page | 001449/000343 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Dorchester County assessment roll, as of August 5, 2025
| 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 | $451,267 (+14.53%) | $471,400 (+6.84%) Land $62,800 Building $408,600 | |
| 2025 | $8,287.00 (+13.8%) | ||
| 2023 | $7,282.00 | $394,000 | $441,200 Land $52,900 Building $388,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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.
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
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