114 Willis St, Cambridge, MD 21613 Property Records

Dorchester County property record for 114 Willis St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,561 sqft · built 1918
Lot Size	0.105 acres (4,560 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Jul 2018)
Tax Bill	$3,818 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-148267`

Property Details

APN / Parcel Number

Primary APN	`07-148267`
Alternative APNs	`7148267` `148267`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,561 sqft Total Area

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	4,560 sqft (0.105 acres)
View / Lot	Waterfront

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	252 sqft
Porch	Slab
Porch Area	154 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	148267
Street Address	114 WILLIS ST
City	CAMBRIDGE
State	MD
Zip	21613-1619
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 4,560 SQ. FT. 114 WILLIS STREET CAMBRIDGE
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4008
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

114 Willis St is owned by two individuals who bought it in July 2018.

Source: Dorchester County records, as of October 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1724 C ST NE, WASHINGTON, DC 20002-6661
Owner Type	Individual

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
Jan 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST SAVINGS MORTGAGE CORP
Jul 30, 2018	Deed, Transfer · Conventional Mortgage FIRST SAVINGS MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2018 · Amount on File
Deed Sale	Jul 30, 2018 · Amount on File
Prior Sale	May 5, 2006 · Amount on File
Deed Book / Page	1475 / 53
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	114 WILLIS ST, CAMBRIDGE, MD 21613-1619
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	ASPEN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016210466
Date	Jan 15, 2021
Book Page	1621/466

Lender

Name	FIRST SAVINGS MORTGAGE CORP
Type	Mortgage Company
Address	MC LEAN, VA 22102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Jul 30, 2018
Property Address	114 WILLIS ST, CAMBRIDGE, MD 21613-1619
Document Number	0014750053
Book / Page	1475 / 053
Map Reference	LB727 FO736
Instrument Date	Jul 23, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	BRENNAN TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 WILLIS ST, CAMBRIDGE, MD 21613-1619

Mortgage

Document Number	0000147559
Date	Jul 30, 2018
Instrument	1475/59

Lender

Name	FIRST SAVINGS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 114 Willis St was $3,818, up 4.7% 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	$3,818.00 (+4.69%)	$204,333	$224,600 Land $51,100 Building $173,500
2025	$3,647.00
2023	$2,993.00	$161,933	$194,200 Land $36,100 Building $158,100

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

Flood

FEMA maps place 114 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 114 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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