Dorchester County property record for 1112 Locust St, Cambridge, MD 21613
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,566 sqft · built 1910 |
| Lot Size | 0.196 acres (8,550 sqft) |
| Owner | Individual Name on File |
| Last Sale | $460,000 (Jun 2026) |
| Tax Bill | $7,937 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Oct 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-130643 |
| Primary APN | 07-130643 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,566 sqft Total Area |
| Attic | Attic |
| Attic Area | 393 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 8,550 sqft (0.196 acres) |
| Garage Type | Attached |
| Garage Area | 508 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 294 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 130643 |
|---|---|
| Street Address | 1112 LOCUST ST |
| City | CAMBRIDGE |
| State | MD |
| Zip | 21613-1553 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 8,550 SQ. FT. 1112 LOCUST ST CAMB |
| Jurisdiction | DORCHESTER MD |
| Township / Civil Division | 7, CAMBRIDGE |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 970500 |
Source: Dorchester County records · APN 07-130643
Assessment roll updated August 5, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 2754 PIEDMONT HOLW, FINKSBURG, MD 21048-1830 |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Jun 23, 2026 | Deed, Transfer · Conventional Mortgage EMM LOANS LLC |
| Oct 06, 2022 | Deed of Trust, Mortgage · Commercial Mortgage CIVIC FINANCIAL SERVICES LLC |
| Mar 12, 2021 | Deed, Transfer BRIDGE TITLE COMPANY LLC, CAMBRIDGE TITLE COMPANY LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 23, 2026 · Amount on Record |
| Deed Sale | Jun 23, 2026 · Amount on Record |
| Prior Sale | Mar 12, 2021 · Amount on Record |
| Deed Document Number | 2026 |
| Deed Book / Page | 2022 / 325 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Recording Date | Jun 23, 2026 |
| Property Address | 1112 LOCUST ST, CAMBRIDGE, MD 21613-1553 |
| Document Number | 2022000325 |
| Book / Page | 2022 / 325 |
| Instrument Date | Jun 05, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 06, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $464,600.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 2754 PIEDMONT HOLW, FINKSBURG, MD 21048-1830 |
| Document Number | 2022000333, |
|---|---|
| Date | Jun 23, 2026 |
| Book Page | 2022/333 |
| Name | EMM LOANS LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Property Address | 1112 LOCUST ST, CAMBRIDGE, MD 21613-1553 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0017710443 |
|---|---|
| Date | Oct 06, 2022 |
| Book Page | 1771/443 |
| Name | CIVIC FINANCIAL SERVICES LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | REDONDO BEACH, CA 90278 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Recording Date | Mar 12, 2021 |
| Property Address | 1112 LOCUST ST, CAMBRIDGE, MD 21613-1553 |
| Document Number | 0016330329 |
| Book / Page | 1633 / 329 |
| Instrument Date | Mar 11, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2021 |
| Title Company | BRIDGE TITLE COMPANY LLC, CAMBRIDGE TITLE COMPANY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 110 N 5TH ST, DENTON, MD 21629-1104 |
Source: Dorchester County records · Assessment roll updated August 5, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Dorchester County |
| Municipality | Cambridge City |
| Unified School District | Dorchester County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $429,500 (+1.63%) | $443,300 (+4.9%) Land $26,400 Building $416,900 | |
| 2025 | $7,937.00 (+14.56%) | $422,600 (+12.73%) Land $26,400 Building $396,200 | $422,600 (-) Land $26,400 Building $396,200 |
| 2023 | $6,928.00 | $374,867 | $422,600 Land $26,400 Building $396,200 |
Source: FEMA National Flood Hazard Layer as of April 10, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Low lower than 66% of the US · above 70% of Maryland |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: Bay Country Communications, Verizon.
Based on FCC filings for 687 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF CAMBRIDGE WATER serves 15,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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