22 Oak St, Cambridge, MD 21613 Property Records

Dorchester County property record for 22 Oak St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,560 sqft · built 1952
Lot Size	0.377 acres (16,422 sqft)
Owner	2 Individual Names on File
Last Sale	$70,000 (Jan 2024)
Tax Bill	$1,522 (2026)
Deeds & Mortgages	Jun 2026 Construction Loan Jan 2024 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-140266`

Property Details

APN / Parcel Number

Primary APN	`07-140266`
Alternative APNs	`7140266` `140266`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,560 sqft Total Area
Attic	Attic
Attic Area	312 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Conventional
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	16,422 sqft (0.377 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space
Deck Area	224 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	140266
Street Address	22 OAK ST
City	CAMBRIDGE
State	MD
Zip	21613-1238
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	IMPS PT. LOT 15 - 16 22 OAK STREET CAMBRIDGE
Legal Subdivision	ROBERT R SCHECH LANDS
Legal Lot Number	15,16
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4042
Census Tract	970702

Owner

22 Oak St is owned and occupied by two individuals who bought it in January 2024.

Source: Dorchester County records, as of October 9, 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 File
Mailing Address	22 OAK ST, CAMBRIDGE, MD 21613-1238
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2026	Deed of Trust, Mortgage · Construction Mortgage QUEENSTOWN BANK/MD
Jan 18, 2024	Deed, Transfer BRIDGE TITLE COMPANY LLC, CAMBRIDGE TITLE COMPANY LLC
Dec 15, 2021	Deed, Transfer FRONT DOOR TITLE INC
Sep 28, 2017	Grant Deed, Transfer SERVICELINK
Aug 1, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2024 · Amount on File
Deed Sale	Jan 18, 2024 · Amount on File
Prior Sale	Dec 15, 2021 · Amount on File
Deed Book / Page	1854 / 267
Prior Transfer Date	Jul 26, 2017
Prior Transfer Doc	0014140110
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Recording Date	Jun 12, 2026
Property Address	22 OAK ST, CAMBRIDGE, MD 21613-1238
Document Number	2020000401
Book / Page	2020 / 401
Instrument Date	Jun 9, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	BRENNAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 OAK ST, CAMBRIDGE, MD 21613-1238

Mortgage

Document Number	2020000401,
Date	Jun 12, 2026
Book Page	2020/401

Lender

Name	QUEENSTOWN BANK/MD

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jul 1, 2057

Interest

Rate	6.36%
Max Rate	-1%

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Jan 18, 2024
Property Address	22 OAK ST, CAMBRIDGE, MD 21613-1238
Document Number	0018540267
Book / Page	1854 / 267
Map Reference	LB 68 FO 15
Instrument Date	Jan 11, 2024
Transaction Type	Transfer
Record Updated	Jan 31, 2024
Title Company	BRIDGE TITLE COMPANY LLC, CAMBRIDGE TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Tax	$175.00
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	22 OAK ST, CAMBRIDGE, MD 21613-1238

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Dec 15, 2021
Property Address	22 OAK ST, CAMBRIDGE, MD 21613-1238
Document Number	0017050017
Book / Page	1705 / 17
Map Reference	LB 18 FO 10
Instrument Date	Nov 19, 2021
Transaction Type	Transfer
Record Updated	Jan 7, 2022
Title Company	FRONT DOOR TITLE INC

Transaction

Amount	Amount 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
Relationship	Tenants in Severalty
Address	400 VENUE WAY APT 4308, 4308, ALPHARETTA, GA 30005-4545

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DORCHESTER MD
Recording Date	Sep 28, 2017
Property Address	22 OAK ST, CAMBRIDGE, MD 21613-1238
Document Number	0014250178
Book / Page	001425 / 000178
Instrument Date	Sep 13, 2017
Transaction Type	Transfer
Record Updated	Nov 22, 2017
Title Company	SERVICELINK

Transaction

Amount	Amount on Record
Tax	$48.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4727 THISTLE HILL DR ABERDEEN MD 210012651, ABERDEEN, MD 21001-2651

August 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	DORCHESTER MD
Recording Date	Aug 1, 2017
Property Address	22 OAK ST, CAMBRIDGE, MD 21613-1238
Document Number	0014140110
Book / Page	001414 / 000110
Instrument Date	Jun 6, 2017
Transaction Type	Foreclosure
Record Updated	Feb 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$77.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	3415 VISION DR COLUMBUS OH 432196009, COLUMBUS, OH 43219-6009
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 22 Oak St was $1,522, up 7.3% from the year before.

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	$1,522.00 (+7.33%)	$128,067 (+7.62%)	$146,200 (+22.86%) Land $37,200 Building $109,000
2025	$1,418.00	$119,000 Land $37,200 Building $81,800	$119,000 Land $37,200 Building $81,800
2023	$1,273.00	$109,133	$119,000 Land $37,200 Building $81,800

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

Flood

FEMA maps place 22 Oak St in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1993.

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 File 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

Wildfire risk around 22 Oak St is moderate, ranking above 40% of the US, with a 0.06% annual chance of 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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