202 Choptank Ave, Cambridge, MD 21613 Property Records

Dorchester County property record for 202 Choptank Ave, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,606 sqft · built 1918
Lot Size	0.107 acres (4,653 sqft)
Owner	2 Individual Names on File
Last Sale	$259,900 (Sep 2025)
Tax Bill	$3,576 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-168306`

Property Details

APN / Parcel Number

Primary APN	`07-168306`
Alternative APNs	`7168306` `168306`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,606 sqft Total Area
Utility Area	84 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	4,653 sqft (0.107 acres)
Porch	Slab
Porch Area	175 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	168306
Street Address	202 CHOPTANK AVE
City	CAMBRIDGE
State	MD
Zip	21613-1627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 4,653 SQ. FT. 202 CHOPTANK AVENUE CAMBRIDGE
Legal Subdivision	CAMBRIDGE
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	3
Census Block	3013
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

202 Choptank Ave is owned by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	517 LONGFELLOW ST NW, WASHINGTON, DC 20011-3013
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 5, 2025	Deed, Transfer · Conventional Mortgage NFM LENDING
Sep 26, 2018	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2025 · Amount on File
Deed Sale	Sep 5, 2025 · Amount on File
Prior Sale	Sep 26, 2018 · Amount on File
Deed Book / Page	1963 / 13
Transfer Doc	0000000467
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	202 CHOPTANK AVE, CAMBRIDGE, MD 21613-1627
Transaction Type	Mortgage
Record Updated	Sep 29, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016250398
Date	Feb 8, 2021
Book Page	1625/398

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Oct 1, 2050

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Sep 5, 2025
Property Address	202 CHOPTANK AVE, CAMBRIDGE, MD 21613-1627
Document Number	0019630013
Book / Page	1963 / 13
Map Reference	LB 1485 FO 423
Instrument Date	Aug 29, 2025
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	TITLE EXCELLENCE LLC, TITLE EXCELLENCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,299.50
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	517 LONGFELLOW ST NW, WASHINGTON, DC 20011-3013

Mortgage

Document Number	0000196317
Date	Sep 5, 2025
Instrument	1963/17

Lender

Name	NFM LENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2055

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DORCHESTER MD
Recording Date	Sep 26, 2018
Property Address	202 CHOPTANK AVE, CAMBRIDGE, MD 21613-1627
Document Number	0014850423
Book / Page	001485 / 000423
Instrument Date	Sep 25, 2018
Transaction Type	Transfer
Record Updated	Oct 8, 2018
Title Company	REAL ESTATE TITLE AND ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$173.70
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	202 CHOPTANK AVE CAMBRIDGE MD 216131627, CAMBRIDGE, MD 21613-1627

Mortgage

Document Number	14850431
Date	Sep 26, 2018
Book Page	001485/000431

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 25, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 202 Choptank Ave was $3,576, up 4.2% from the year before.

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	$3,576.00 (+4.17%)	$191,367 (+4.69%)	$208,500 (+14.06%) Land $39,100 Building $169,400
2025	$3,433.00	$182,800 Land $30,100 Building $152,700	$182,800 Land $30,100 Building $152,700
2023	$2,903.00	$157,067	$182,800 Land $30,100 Building $152,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 202 Choptank Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 202 Choptank Ave is low, with a 0.01% annual chance of 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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