112 Choptank Ter, Cambridge, MD 21613 Property Records

Dorchester County property record for 112 Choptank Ter, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,856 sqft · built 1951
Lot Size	0.459 acres (20,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$449,000 (Feb 2025)
Tax Bill	$4,260 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Aug 2018 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-117787`

Property Details

APN / Parcel Number

Primary APN	`07-117787`
Alternative APNs	`7117787` `117787`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,856 sqft Total Area
Attic	Attic
Attic Area	468 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Conventional
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	20,000 sqft (0.459 acres)
Garage Type	Attached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	117787
Street Address	112 CHOPTANK TER
City	CAMBRIDGE
State	MD
Zip	21613-1135
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	LOT 13-20,000 SQ. FT 112 CHOPTANK TERRACE CAMBRIDGE
Legal Subdivision	LODGE CLIFF
Legal Lot Number	13
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4006
Census Tract	970702

Owner

Source: Dorchester County records, as of October 1, 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 Record
Mailing Address	112 CHOPTANK TER, CAMBRIDGE, MD 21613-1135
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Deed, Transfer · Conventional Mortgage MORTGAGE NETWORK INC
Aug 21, 2018	Grant Deed, Transfer REAL ESTATE TITLE AND ESCROW
Dec 27, 2016	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV
Dec 27, 2016	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2025 · Amount on Record
Deed Sale	Feb 10, 2025 · Amount on Record
Prior Sale	Oct 25, 2021 · Amount on Record
Deed Book / Page	1927 / 13
Transfer Doc	0000001831
Record Updated	Oct 29, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Oct 25, 2021
Property Address	112 CHOPTANK TER, CAMBRIDGE, MD 21613-1135
Document Number	0016910049
Book / Page	1691 / 49
Instrument Date	Oct 14, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	REAL ESTATE TITLE AND ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	1706 TODDS LN # 137, 137, HAMPTON, VA 23666-3123
Investor	Possibly a Property Investor

Mortgage

Document Number	0000169156
Date	Oct 25, 2021
Instrument	1691/56

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DORCHESTER MD
Recording Date	Aug 21, 2018
Property Address	112 CHOPTANK TER, CAMBRIDGE, MD 21613-1135
Document Number	0014780454
Book / Page	001478 / 000454
Instrument Date	Aug 16, 2018
Transaction Type	Transfer
Record Updated	Sep 19, 2018
Title Company	REAL ESTATE TITLE AND ESCROW

Transaction

Amount	Amount Recorded
Tax	$235.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	112 CHOPTANK TER CAMBRIDGE MD 216131135, CAMBRIDGE, MD 21613-1135

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	112 CHOPTANK TER, CAMBRIDGE, MD 21613-1135
Document Number	0013780502
Instrument Date	Dec 27, 2016
Transaction Type	Mortgage
Record Updated	Mar 13, 2019
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 CHOPTANK TER CAMBRIDGE MD 216131135, CAMBRIDGE, MD 21613-1135

Mortgage

Document Number	0013780502
Date	Jan 17, 2017
Book Page	001378/000502

Lender

Name	HUD-HOUSING/URBAN DEV

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	720 Months
Due	Jan 16, 2077

Interest

Rate Type	Adjustable Rate
Rate	4.69%

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	112 CHOPTANK TER, CAMBRIDGE, MD 21613-1135
Document Number	0013780478
Instrument Date	Dec 27, 2016
Transaction Type	Mortgage
Record Updated	Mar 13, 2019
Title Company	FNF TITLE SERVICES INC, FNF TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	112 CHOPTANK TER CAMBRIDGE MD 216131135, CAMBRIDGE, MD 21613-1135

Mortgage

Document Number	0013780478
Date	Jan 17, 2017
Book Page	001378/000478

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	720 Months
Due	Jan 16, 2077

Interest

Rate Type	Adjustable Rate
Rate	4.69%

Tax Assessment & Valuation

Source: Dorchester County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Dorchester County
Unified School District	Dorchester County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,260.00 (+9.74%)	$367,800 (+56.36%)	$434,000 (+29.67%) Land $32,600 Building $401,400
2025	$3,882.00 (+73.61%)
2023	$2,236.00	$235,233	$334,700 Land $32,600 Building $302,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 24 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	31 units insured incl. 7 condo units
Nearby Flood Claims	10 (1993–2024)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Hurricane Isabel, Sep 2003 · 4 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 68% of Maryland
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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	LODGECLIFFE DISTRIBUTION SYSTEM private · serves 300 people · EPA ID MD0090009
Water Source	Purchased groundwater from CITY OF CAMBRIDGE WATER
Last State Inspection	May 2024

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 114 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.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Choptank Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures