12 Holly Ter, Cambridge, MD 21613 Property Records

Dorchester County property record for 12 Holly Ter, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,988 sqft · built 2005
Lot Size	0.275 acres (12,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$369,000 (Apr 2023)
Tax Bill	$4,199 (2026)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-195540`

Property Details

APN / Parcel Number

Primary APN	`07-195540`
Alternative APNs	`7195540` `195540`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,988 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,000 sqft (0.275 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	392 sqft
Porch	Slab
Porch Area	118 sqft
Deck Area	206 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	195540
Street Address	12 HOLLY TER
City	CAMBRIDGE
State	MD
Zip	21613-1300
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	12,000 SQ.FT. 12 HOLLY TERRACE CAMBRIDGE
Legal Subdivision	SANDY HILL
Legal Block	C2
Legal Lot Number	12
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4005
Census Tract	970702

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12 HOLLY TER, CAMBRIDGE, MD 21613-1300
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2023	Deed, Transfer · VA Mortgage SKEENS CONSULTING CORP
Oct 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM M CORPORATION
Sep 8, 2018	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2023 · Amount on Record
Deed Sale	Apr 21, 2023 · Amount on Record
Prior Sale	Feb 1, 2010 · Amount on Record
Deed Book / Page	1806 / 365
Prior Transfer Date	Apr 24, 2008
Prior Transfer Doc	0008640177
Record Updated	Oct 29, 2026

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Apr 21, 2023
Property Address	12 HOLLY TER, CAMBRIDGE, MD 21613-1300
Document Number	0018060365
Book / Page	1806 / 365
Map Reference	LB 42 FO 244
Instrument Date	Apr 3, 2023
Transaction Type	Transfer
Record Updated	May 10, 2023
Title Company	MID-ATLANTIC SETTLEMENT SERVICES, MID ATLANTIC SETTLEMENT SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,845.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 HOLLY TER, CAMBRIDGE, MD 21613-1300

Mortgage

Document Number	0001806371
Date	Apr 21, 2023
Instrument	1806-371

Lender

Name	SKEENS CONSULTING CORP

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	12 HOLLY TER, CAMBRIDGE, MD 21613-1300
Document Number	0016010132
Instrument Date	Oct 5, 2020
Transaction Type	Mortgage
Record Updated	Nov 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0016010132
Date	Oct 13, 2020
Book Page	001601/000132

Lender

Name	FREEDOM M CORPORATION
Address	907 PLEASANT VALLEY AVE # 3, MOUNT LAUREL, NJ 08054-1210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	12 HOLLY TER, CAMBRIDGE, MD 21613-1300
Document Number	0014830421
Instrument Date	Sep 8, 2018
Transaction Type	Mortgage
Record Updated	Oct 1, 2018
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12 HOLLY TER CAMBRIDGE MD 216131300, CAMBRIDGE, MD 21613-1300

Mortgage

Document Number	0014830421
Date	Sep 19, 2018
Book Page	001483/000421

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 18, 2038

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	$4,199.00 (+2.46%)	$362,467 (+2.51%)	$380,200 (+7.52%) Land $41,800 Building $338,400
2025	$4,098.00 (+18.78%)	$353,600 (+15.99%) Land $41,800 Building $311,800	$353,600 (-) Land $41,800 Building $311,800
2023	$3,450.00	$304,867	$353,600 Land $41,800 Building $311,800

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
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 62% of the US · above 76% of Maryland
Wildfire Likelihood	0.04% 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	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 243 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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