1510 Race St, Cambridge, MD 21613 Property Records

Dorchester County property record for 1510 Race St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,716 sqft · built 1930
Lot Size	0.689 acres (30,000 sqft)
Owner	Individual Name on Record
Last Sale	$127,000 (Jan 2020)
Tax Bill	$2,280 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-153007`

Property Details

APN / Parcel Number

Primary APN	`07-153007`
Alternative APNs	`7153007` `153007`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,716 sqft Total Area
Basement Area	480 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	30,000 sqft (0.689 acres)
Porch	Slab
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	153007
Street Address	1510 RACE ST
City	CAMBRIDGE
State	MD
Zip	21613-3010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	L 151-152-30,000 SF 1510 RACE STREET CAMBRIDGE
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	1
Census Block	1036
Census Tract	970600

Owner

Source: Dorchester County records, as of October 13, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1510 RACE ST, CAMBRIDGE, MD 21613-3010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS BANK AND TRUST COMPANY
Jan 17, 2020	Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2020 · Amount on Record
Deed Sale	Jan 17, 2020 · Amount on Record
Prior Sale	Aug 25, 1986 · Amount on Record
Deed Book / Page	1559 / 15
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Recording Date	Sep 23, 2026
Property Address	1510 RACE ST, CAMBRIDGE, MD 21613-3010
Document Number	2042000411
Book / Page	2042 / 411
Instrument Date	Sep 4, 2026
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1510 RACE ST, CAMBRIDGE, MD 21613-3010

Mortgage

Document Number	2042000411,
Date	Sep 23, 2026
Book Page	2042/411

Lender

Name	MANUFACTURERS BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Jan 17, 2020
Property Address	1510 RACE ST, CAMBRIDGE, MD 21613-3010
Document Number	0015590015
Book / Page	1559 / 015
Instrument Date	Jan 15, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount Recorded
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
Address	1510 RACE ST, CAMBRIDGE, MD 21613-3010

Mortgage

Document Number	0000155927
Date	Jan 17, 2020
Instrument	1559/27

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

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	$2,280.00 (+4.68%) Homeowner's exemption	$142,767 (+25.97%)	$145,500 (+2.9%) Land $23,600 Building $121,900
2025	$2,178.00 (+12.73%) Homeowner's exemption
2023	$1,932.00 Homeowner's exemption	$113,333	$141,400 Land $23,600 Building $117,800

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	4 (1979–2003)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2003 · Hurricane Isabel

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 66% of the US · above 70% of Maryland
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 305 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250

May also be available: Bay Country Communications, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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