18 Oak St, Cambridge, MD 21613 Property Records

Dorchester County property record for 18 Oak St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,500 sqft · built 1973
Lot Size	0.253 acres (11,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$292,000 (Oct 2025)
Tax Bill	$2,099 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jun 2024 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`07-177984`

Property Details

APN / Parcel Number

Primary APN	`07-177984`
Alternative APNs	`7177984` `177984`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,500 sqft Total Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,000 sqft (0.253 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	177984
Street Address	18 OAK ST
City	CAMBRIDGE
State	MD
Zip	21613-1238
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	LOT 64 18 OAK STREET CAMBRIDGE
Legal Subdivision	CLEMENT S HENRY HAMBROOKS
Legal Lot Number	64
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4042
Census Tract	970702

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	18 OAK ST, CAMBRIDGE, MD 21613-1238
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Jun 21, 2024	Trustee's Deed, Foreclosure · Stand-Alone First Mortgage STANLEY ZIMMERMAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2025 · Amount on Record
Deed Sale	Oct 24, 2025 · Amount on Record
Prior Sale	Nov 4, 2024 · Amount on Record
Deed Book / Page	1975 / 208
Prior Transfer Date	Jun 14, 2024
Prior Transfer Doc	0018840063
Record Updated	Oct 29, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Oct 24, 2025
Property Address	18 OAK ST, CAMBRIDGE, MD 21613-1238
Document Number	0019750208
Book / Page	1975 / 208
Map Reference	LB 1 FO 137
Instrument Date	Oct 22, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	EASTERN MT TITLE COMPANY, EASTERN SHORE TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$730.00
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	18 OAK ST, CAMBRIDGE, MD 21613-1238

Mortgage

Document Number	0001975213
Date	Oct 24, 2025
Instrument	1975/213

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

June 2024: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	DORCHESTER MD
Recording Date	Jun 21, 2024
Property Address	18 OAK ST, CAMBRIDGE, MD 21613-1238
Document Number	0018840063
Book / Page	1884 / 63
Map Reference	LB JFD 1 FO 137
Instrument Date	Jun 14, 2024
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026
Title Company	NEW WORLD TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2226 SANDYMOUNT RD, FINKSBURG, MD 21048-1445

Mortgage

Document Number	0001884068
Date	Jun 21, 2024
Instrument	1884-068

Lender

Name	STANLEY ZIMMERMAN
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Apr 1, 2025

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	$2,099.00 (+40.59%)	$178,633 (+42.34%)	$284,900 (+127.01%) Land $36,700 Building $248,200
2025	$1,493.00 (+11.67%)	$125,500 (+9.23%) Land $36,700 Building $88,800	$125,500 (-) Land $36,700 Building $88,800
2023	$1,337.00	$114,900	$125,500 Land $36,700 Building $88,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	Moderate above 40% of the US · above 80% of Maryland
Wildfire Likelihood	0.06% 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 269 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

4G LTE (outdoors only), no 5G reported

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