121 Willis St, Cambridge, MD 21613 Property Records

Dorchester County property record for 121 Willis St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,356 sqft · built 1915
Lot Size	0.093 acres (4,035 sqft)
Owner	2 Individual Names on Record
Last Sale	$124,000 (Jun 2018)
Tax Bill	$2,538 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-132999`

Property Details

APN / Parcel Number

Primary APN	`07-132999`
Alternative APNs	`7132999` `132999`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,356 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	4,035 sqft (0.093 acres)
View / Lot	Waterfront
Porch	Slab
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	132999
Street Address	121 WILLIS ST
City	CAMBRIDGE
State	MD
Zip	21613-1618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	IMPS LOT - 4,035 SQ 121 WILLIS STREET CAMBRIDGE
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4007
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

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	121 WILLIS ST, CAMBRIDGE, MD 21613-1618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage PLANET HOME LENDING LLC
Jun 13, 2018	Deed, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2018 · Amount on Record
Deed Sale	Jun 13, 2018 · Amount on Record
Prior Sale	Sep 7, 2005 · Amount on Record
Deed Book / Page	1468 / 39
Last Transfer Date	Mar 29, 2024
Transfer Doc	0018770056
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	121 WILLIS ST, CAMBRIDGE, MD 21613-1618
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	CERTIFIED TITLE, CERTIFIED TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016810380
Date	Sep 17, 2021
Book Page	1681/380

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	06545

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2036

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Jun 13, 2018
Property Address	121 WILLIS ST, CAMBRIDGE, MD 21613-1618
Document Number	0014680039
Book / Page	1468 / 039
Map Reference	LB PLC203 FO30
Instrument Date	Jun 8, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	VENTUREE TITLE CO LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,015.00
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	121 WILLIS ST, CAMBRIDGE, MD 21613-1618

Mortgage

Document Number	0000146845
Date	Jun 13, 2018
Instrument	1468/45

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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	$2,538.00 (+7%)	$135,867 (+7.57%)	$155,000 (+22.72%) Land $51,100 Building $103,900
2025	$2,372.00 (+10.58%)	$126,300 (+8.79%) Land $36,100 Building $90,200	$126,300 (-) Land $36,100 Building $90,200
2023	$2,145.00	$116,100	$126,300 Land $36,100 Building $90,200

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 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

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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