115 Choptank Ter, Cambridge, MD 21613 Property Records

Dorchester County property record for 115 Choptank Ter, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,005 sqft · built 1950
Lot Size	0.627 acres (27,313 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (Aug 2019)
Tax Bill	$7,399 (2026)
Deeds & Mortgages	Apr 2018 Line of Credit May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-144822`

Property Details

APN / Parcel Number

Primary APN	`07-144822`
Alternative APNs	`7144822` `144822`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,005 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Conventional
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	27,313 sqft (0.627 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	468 sqft
Porch	Slab
Porch Area	40 sqft
Patio Area	172 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	144822
Street Address	115 CHOPTANK TER
City	CAMBRIDGE
State	MD
Zip	21613-1115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	LOT 8 - 27,313 SQFT 115 CHOPTANK TERRACE CAMBRIDGE
Legal Subdivision	GREAT CHOPTANK RIVER WATERFRON
Legal Lot Number	8
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4005
Census Tract	970702

Owner

115 Choptank Ter is owned and occupied by two individuals who bought it in August 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	115 CHOPTANK TER, CAMBRIDGE, MD 21613-1115
Occupancy	Owner Occupied
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
Apr 20, 2018	Deed of Trust, Mortgage · Line of Credit HEBRON SAVINGS BANK
May 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage DEPARTMENT OF COMMERCE FCU
May 28, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DEPARTMENT OF COMMERCE FCU
Aug 21, 2019	Deed, Transfer · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2019 · Amount on File
Deed Sale	Aug 21, 2019 · Amount on File
Prior Sale	Dec 30, 2005 · Amount on File
Deed Book / Page	1535 / 170
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	115 CHOPTANK TER, CAMBRIDGE, MD 21613-1115
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014580482
Date	Apr 20, 2018
Book Page	1458/482

Lender

Name	HEBRON SAVINGS BANK
Type	Bank
Address	HEBRON, MD 21830

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	115 CHOPTANK TER, CAMBRIDGE, MD 21613-1115
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016540171
Date	May 28, 2021
Book Page	1654/171

Lender

Name	DEPARTMENT OF COMMERCE FCU
Type	Credit Union
Address	WASHINGTON, DC 20230

Agreement

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

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	115 CHOPTANK TER, CAMBRIDGE, MD 21613-1115
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016540190
Date	May 28, 2021
Book Page	1654/190

Lender

Name	DEPARTMENT OF COMMERCE FCU
Type	Credit Union
Address	WASHINGTON, DC 20230

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	300 Months
Due	May 1, 2046

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Aug 21, 2019
Property Address	115 CHOPTANK TER, CAMBRIDGE, MD 21613-1115
Document Number	0015350170
Book / Page	1535 / 170
Map Reference	CAB 42 FO 139
Instrument Date	Aug 15, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	CAMBRIDGE TITLE COMPANY

Transaction

Amount	Amount on Record
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	115 CHOPTANK TER, CAMBRIDGE, MD 21613-1115

Mortgage

Document Number	0001535176
Date	Aug 21, 2019
Instrument	1535/176

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 115 Choptank Ter was $7,399 with a homeowner's exemption, up 2.4% from the year before.

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	$7,399.00 (+2.41%) Homeowner's exemption	$642,700 Land $295,000 Building $347,700	$642,700 Land $295,000 Building $347,700
2025	$7,225.00 Homeowner's exemption
2023	$6,371.00 Homeowner's exemption	$577,733	$654,200 Land $295,000 Building $359,200

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

Flood

FEMA maps place 115 Choptank Ter 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 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

Wildfire risk around 115 Choptank Ter is low, with a 0.03% annual chance of 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)

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