207 Mill St, Cambridge, MD 21613 Property Records

Dorchester County property record for 207 Mill St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,742 sqft · built 1918
Lot Size	0.145 acres (6,320 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Nov 2020)
Tax Bill	$3,500 (2026)
Deeds & Mortgages	Feb 2022 Line of Credit Nov 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-170521`

Property Details

APN / Parcel Number

Primary APN	`07-170521`
Alternative APNs	`7170521` `170521`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,742 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Conventional
Exterior Material	Wood Shingle
Roof Material	Composition Shingle
Lot Area	6,320 sqft (0.145 acres)
Garage Type	Detached
Garage Area	960 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	196 sqft
Deck Area	252 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	170521
Street Address	207 MILL ST
City	CAMBRIDGE
State	MD
Zip	21613-1630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 6,320 SQ. FT. 207 MILL STREET CAMBRIDGE
Legal Subdivision	THOMAS P KEATING INC
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	3
Census Block	3013
Census Tract	970400

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	207 MILL ST, CAMBRIDGE, MD 21613-1630
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2022	Deed of Trust, Mortgage · Line of Credit HEBRON SAVINGS BANK
Nov 2, 2020	Grant Deed, Transfer CAMBRIDGE TITLE INC
Dec 12, 2019	Deed of Trust, Mortgage · Line of Credit TIAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2020 · Amount on Record
Deed Sale	Nov 2, 2020 · Amount on Record
Prior Sale	Jul 20, 2005 · Amount on Record
Deed Book / Page	1606 / 204
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	207 MILL ST, CAMBRIDGE, MD 21613-1630
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 MILL ST, CAMBRIDGE, MD 21613-1630

Mortgage

Document Number	0017210010
Date	Feb 17, 2022
Book Page	1721/10

Lender

Name	HEBRON SAVINGS BANK
Type	Bank
Address	HEBRON, MD 21830

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 10, 2047

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DORCHESTER MD
Recording Date	Nov 2, 2020
Property Address	207 MILL ST, CAMBRIDGE, MD 21613-1630
Document Number	0016060204
Book / Page	001606 / 000204
Instrument Date	Oct 29, 2020
Transaction Type	Transfer
Record Updated	Dec 1, 2020
Title Company	CAMBRIDGE TITLE INC

Transaction

Amount	Amount Recorded
Tax	$260.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	207 MILL ST CAMBRIDGE MD 216131630, CAMBRIDGE, MD 21613-1630

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	207 MILL ST, CAMBRIDGE, MD 21613-1630
Document Number	0015630005
Instrument Date	Dec 12, 2019
Transaction Type	Mortgage
Record Updated	Mar 20, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	207 MILL ST CAMBRIDGE MD 216131630, CAMBRIDGE, MD 21613-1630

Mortgage

Document Number	0015630005
Date	Feb 19, 2020
Book Page	001563/000005

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 18, 2050

Interest

Rate Type	Adjustable Rate

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	$3,500.00 (-1.19%) Homeowner's exemption	$187,300 (+6.5%) Land $60,300 Building $127,000	$187,300 (-0.69%) Land $60,300 Building $127,000
2025	$3,542.00 (+8.98%) Homeowner's exemption
2023	$3,250.00 Homeowner's exemption	$175,867	$188,600 Land $60,300 Building $128,300

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 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

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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