20 Oak St, Cambridge, MD 21613 Property Records

Dorchester County property record for 20 Oak St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,320 sqft · built 1972
Lot Size	0.258 acres (11,240 sqft)
Owner	Company Name on Record
Last Sale	$30,000 (Oct 2013)
Tax Bill	$1,238 (2026)
Deeds & Mortgages	May 2020 Mortgage Feb 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-177445`

Property Details

APN / Parcel Number

Primary APN	`07-177445`
Alternative APNs	`7177445` `177445`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,320 sqft Total Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,240 sqft (0.258 acres)
Deck Area	290 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	177445
Street Address	20 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 63 - 11,240 SQFT 20 OAK ST CAMBRIDGE
Legal Subdivision	CLEMENT S HENRY
Legal Lot Number	63
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 1323, CAMBRIDGE, MD 21613-5323
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage HEBRON SVGS BK
Feb 21, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 20, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2013 · Amount on Record
Deed Sale	Oct 28, 2013 · Amount on Record
Prior Sale	Aug 7, 2002 · Amount on Record
Deed Book / Page	1173 / 473
Last Transfer Date	Feb 16, 2017
Transfer Doc	0013900309
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	20 OAK ST, CAMBRIDGE, MD 21613-1238
Document Number	0015760366
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 19, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1323 CAMBRIDGE MD 216135323, CAMBRIDGE, MD 21613-5323

Mortgage

Document Number	0015760366
Date	May 28, 2020
Book Page	001576/000366

Lender

Name	HEBRON SVGS BK
Type	Federal Savings Bank
Address	HEBRON, MD 21830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DORCHESTER MD
Recording Date	Feb 21, 2017
Property Address	20 OAK ST, CAMBRIDGE, MD 21613-1238
Document Number	0013900309
Book / Page	001390 / 000309
Instrument Date	Feb 16, 2017
Transaction Type	Transfer
Record Updated	Oct 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1323 CAMBRIDGE MD 216135323, CAMBRIDGE, MD 21613-5323

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DORCHESTER MD
Recording Date	Mar 20, 2017
Property Address	20 OAK ST, CAMBRIDGE, MD 21613-1238
Document Number	0013900039
Book / Page	001390 / 000039
Instrument Date	Feb 16, 2017
Transaction Type	Transfer
Record Updated	Oct 2, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1323 CAMBRIDGE MD 216135323, CAMBRIDGE, MD 21613-5323

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	$1,238.00 (+1.06%)	$103,233 (+1.11%)	$105,500 (+3.33%) Land $36,700 Building $68,800
2025	$1,225.00 (+11.97%)	$102,100 (+9.75%) Land $36,700 Building $65,400	$102,100 (-) Land $36,700 Building $65,400
2023	$1,094.00	$93,033	$102,100 Land $36,700 Building $65,400

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	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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