120 Mill St, Cambridge, MD 21613 Property Records

Dorchester County property record for 120 Mill St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,450 sqft · built 1915
Lot Size	0.176 acres (7,655 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,338 (2026)
Deeds & Mortgages	Sep 2017 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-148046`

Property Details

APN / Parcel Number

Primary APN	`07-148046`
Alternative APNs	`7148046` `148046`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,450 sqft Total Area

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,655 sqft (0.176 acres)
Porch	Slab
Porch Area	548 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	148046
Street Address	120 MILL ST
City	CAMBRIDGE
State	MD
Zip	21613-1629
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 7,655 SQ. FT. 120 MILL STREET CAMBRIDGE
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	3
Census Block	3006
Census Tract	970400

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	120 MILL ST, CAMBRIDGE, MD 21613-1629
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MORTGAGE INC
Aug 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK
Aug 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2003
Deed Sale	Nov 17, 2003
Prior Sale	Dec 16, 1992 · Amount on Record
Deed Document Number	2003591
Deed Book / Page	551 / 164
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	120 MILL ST, CAMBRIDGE, MD 21613-1629
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	BOSTON NATIONAL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014200366
Date	Sep 6, 2017
Book Page	1420/366
Instrument	1420-366

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2032

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	120 MILL ST, CAMBRIDGE, MD 21613-1629
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015920405
Date	Aug 28, 2020
Book Page	1592/405

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	ALPHARETTA, GA 30022

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2030

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	120 MILL ST, CAMBRIDGE, MD 21613-1629
Document Number	0014200383
Instrument Date	Aug 21, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2017
Title Company	BOSTON NATIONAL TITLE LLC, BOSTON NAT'L TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	120 MILL ST CAMBRIDGE MD 216131629, CAMBRIDGE, MD 21613-1629

Mortgage

Document Number	0014200383
Date	Sep 6, 2017
Book Page	001420/000383

Lender

Name	SUNTRUST MTG
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 5, 2032

Tax Assessment & Valuation

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	$3,338.00 (+3.76%) Homeowner's exemption	$195,700 (+8.96%) Land $60,400 Building $135,300	$195,700 (-5%) Land $60,400 Building $135,300
2025	$3,217.00 (+12.33%) Homeowner's exemption
2023	$2,864.00 Homeowner's exemption	$179,600	$206,000 Land $60,400 Building $145,600

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 28 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	78 units insured incl. 50 condo units
Nearby Flood Claims	27 (1985–2024)
Claims Outside the SFHA	7 of 27
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 13 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 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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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