216 Choptank Ave, Cambridge, MD 21613 Property Records

Dorchester County property record for 216 Choptank Ave, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,000 sqft · built 1930
Lot Size	0.152 acres (6,628 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Mar 2021)
Tax Bill	$1,956 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit Nov 2025 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-145535`

Property Details

APN / Parcel Number

Primary APN	`07-145535`
Alternative APNs	`7145535` `145535`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,000 sqft Total Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,628 sqft (0.152 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	145535
Street Address	216 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	6,628 SQ.FT 216 CHOPTANK AVE. CAMB.
Legal Subdivision	LISA M PHILLIPS LAND
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

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	Individual Name on Record
Mailing Address	216 CHOPTANK AVE, CAMBRIDGE, MD 21613-1627
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Nov 3, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Mar 19, 2021	Deed, Transfer · Stand-Alone First Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2021 · Amount on Record
Deed Sale	Mar 19, 2021 · Amount on Record
Prior Sale	Sep 10, 2014 · Amount on Record
Deed Book / Page	1636 / 2
Transfer Doc	0000990238
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	216 CHOPTANK AVE, CAMBRIDGE, MD 21613-1627
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019780289
Date	Nov 10, 2025
Book Page	1978/289

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	216 CHOPTANK AVE, CAMBRIDGE, MD 21613-1627
Transaction Type	Mortgage
Record Updated	Nov 21, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019760469
Date	Nov 3, 2025
Book Page	1976/469

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	238 Months
Due	Sep 1, 2045

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Mar 19, 2021
Property Address	216 CHOPTANK AVE, CAMBRIDGE, MD 21613-1627
Document Number	0016360002
Book / Page	1636 / 2
Map Reference	LB 35 FO 24
Instrument Date	Mar 9, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	NOT AVAILABLE, BRENNAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	216 CHOPTANK AVE, CAMBRIDGE, MD 21613-1627

Mortgage

Document Number	0000163610
Date	Mar 19, 2021
Instrument	1636/10

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

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	$1,956.00 (+4.82%) Homeowner's exemption	$170,533 (+53.54%)	$185,600 (+13.87%) Land $39,300 Building $146,300
2025	$1,866.00 (+12.68%) Homeowner's exemption
2023	$1,656.00 Homeowner's exemption	$111,067	$163,000 Land $30,300 Building $132,700

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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