109 Willis St, Cambridge, MD 21613 Property Records

Dorchester County property record for 109 Willis St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,032 sqft · built 1915
Lot Size	0.095 acres (4,120 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Jan 2026)
Tax Bill	$5,430 (2026)
Deeds & Mortgages	Oct 2022 Mortgage Jan 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-107315`

Property Details

APN / Parcel Number

Primary APN	`07-107315`
Alternative APNs	`7107315` `107315`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,032 sqft Total Area

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Conventional
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	4,120 sqft (0.095 acres)
View / Lot	Waterfront
Porch	Slab
Porch Area	126 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	107315
Street Address	109 WILLIS ST
City	CAMBRIDGE
State	MD
Zip	21613-1618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 4,120 SQ. FT. 109 WILLIS ST CAMBRIDGE
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4007
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

109 Willis St is owned and occupied by an individual who bought it in January 2026.

Source: Dorchester County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	109 WILLIS ST, CAMBRIDGE, MD 21613-1618
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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, 2022	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Jan 23, 2026	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 15, 2022	Deed, Transfer · VA Mortgage USAA FSB
May 27, 2021	Deed, Transfer NOT AVAILABLE, VENTURE TITLE COMPANY LLC
Aug 7, 2019	Grant Deed, Transfer REAL ESTATE TITLE AND ESCROW, REAL ESTATE TITLE & ESCROW

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2026 · Amount on File
Deed Sale	Jan 23, 2026 · Amount on File
Prior Sale	Jul 15, 2022 · Amount on File
Deed Book / Page	1993 / 125
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	109 WILLIS ST, CAMBRIDGE, MD 21613-1618
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017740242
Date	Oct 20, 2022
Book Page	1774/242

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Jul 1, 2052

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Jan 23, 2026
Property Address	109 WILLIS ST, CAMBRIDGE, MD 21613-1618
Document Number	0019930125
Book / Page	1993 / 125
Instrument Date	Dec 29, 2025
Transaction Type	Transfer
Record Updated	Feb 9, 2026
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,475.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 WILLIS ST, CAMBRIDGE, MD 21613-1618

Mortgage

Document Number	0001993133
Date	Jan 23, 2026
Instrument	1993/133

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Jul 15, 2022
Property Address	109 WILLIS ST, CAMBRIDGE, MD 21613-1618
Document Number	0017540236
Book / Page	1754 / 236
Instrument Date	Jun 30, 2022
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	TITLE EXCELLENCE LLC, TITLE EXCELLENCE

Transaction

Amount	Amount 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	109 WILLIS ST, CAMBRIDGE, MD 21613-1618

Mortgage

Document Number	0001754240
Date	Jul 15, 2022
Instrument	1754-240

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	May 27, 2021
Property Address	109 WILLIS ST, CAMBRIDGE, MD 21613-1618
Document Number	0016530342
Book / Page	1653 / 342
Instrument Date	May 26, 2021
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	NOT AVAILABLE, VENTURE TITLE COMPANY LLC

Transaction

Amount	Amount 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 in Severalty
Address	23 APPLETREE LN, PORTLAND, CT 06480-1071

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DORCHESTER MD
Recording Date	Aug 7, 2019
Property Address	109 WILLIS ST, CAMBRIDGE, MD 21613-1618
Document Number	0015330123
Book / Page	001533 / 000123
Instrument Date	Aug 6, 2019
Transaction Type	Transfer
Record Updated	Aug 23, 2019
Title Company	REAL ESTATE TITLE AND ESCROW, REAL ESTATE TITLE & ESCROW

Transaction

Amount	Amount on Record
Tax	$45.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5211 FAIRGREENE WAY IJAMSVILLE MD 217549634, IJAMSVILLE, MD 21754-9634

Tax Assessment & Valuation

The 2026 property tax bill for 109 Willis St was $5,430, up 103.8% 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	$5,430.00 (+103.83%)	$290,600 (+5.14%)	$319,000 (+15.41%) Land $51,100 Building $267,900
2025	$2,664.00 Homeowner's exemption	$276,400 Land $36,100 Building $240,300	$276,400 Land $36,100 Building $240,300
2023	$2,364.00 Homeowner's exemption	$127,933	$276,400 Land $36,100 Building $240,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 109 Willis St 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 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	Hurricane Isabel, Sep 2003 · 18 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

The area around 109 Willis St 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.

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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