Dorchester County property record for 109 Talbot Ave, Cambridge, MD 21613
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,454 sqft · built 1952 |
| Lot Size | 0.309 acres (13,475 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $140,000 (Nov 2012) |
| Tax Bill | $1,407 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-142528 |
| Primary APN | 07-142528 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,454 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 13,475 sqft (0.309 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Radiant |
| Sewer | Connected |
| Account Number | 142528 |
|---|---|
| Street Address | 109 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 60-13,475 SQ. FT. 109 TALBOT AVE CAM |
| Legal Subdivision | GLASGOW BLDG |
| Jurisdiction | DORCHESTER MD |
| Township / Civil Division | 7, CAMBRIDGE |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 970400 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 109 TALBOT AVE, CAMBRIDGE, MD 21613-1511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 14, 2012 · Amount on Record |
| Deed Sale | Nov 14, 2012 · Amount on Record |
| Prior Sale | Dec 21, 2011 · Amount on Record |
| Deed Book / Page | 1115 / 168 |
| Transfer Doc | 0000000638 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Property Address | 109 TALBOT AVE, CAMBRIDGE, MD 21613-1511 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2023 |
| Title Company | NOT AVAILABLE, FAMS DTO |
| Name | Verified Name |
|---|---|
| Address | 109 TALBOT AVE, CAMBRIDGE, MD 21613-1511 |
| Document Number | 0017160465 |
|---|---|
| Date | Feb 1, 2022 |
| Book Page | 1716/465 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 250 Months |
| Due | Dec 1, 2042 |
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 | $184,100 (+3.14%) | $195,300 (+9.41%) Land $61,900 Building $133,400 | |
| 2025 | $1,407.00 (-53.36%) Homeowner's exemption | $178,500 (+9.35%) Land $52,000 Building $126,500 | $178,500 (-) Land $52,000 Building $126,500 |
| 2023 | $3,017.00 Homeowner's exemption | $163,233 | $178,500 Land $52,000 Building $126,500 |
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 |
|---|---|
| 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 | Low lower than 96% of the US · lower than 92% of Maryland |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond 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 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.
5G (outdoors only) and 4G LTE
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