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221 Choptank Ave, Cambridge, MD 21613 Property Records

Dorchester County property record for 221 Choptank Ave, Cambridge, MD 21613

Property Summary

Property TypeResidential Multi-Family (5+ Units)
Details5,581 sqft · built 1945
Lot Size0.172 acres (7,504 sqft)
OwnerCompany Name on Record
Last Sale$145,000 (Jul 2015)
Tax Bill$4,424 (2026)
Deeds & MortgagesNov 2017 Mortgage
Nov 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN07-160038

Property Details

APN / Parcel Number

Primary APN07-160038
Alternative APNs
  • 7160038
  • 160038

Interior

Units2 Units
Stories2 Stories
Building Area5,581 sqft Total Area
1st Floor Area5,581 sqft

Exterior

Year BuiltBuilt 1945
Effective Year BuiltEffective 1945
Exterior MaterialBlock
Fire ResistanceMasonry Walls, Wood Interior
Roof MaterialComposition Shingle
Lot Area7,504 sqft (0.172 acres)
Total Buildings2 Buildings

Utilities, Heating & Cooling

Heating SystemHot Water
SewerConnected

Location & Zoning

Account Number160038
Street Address221 CHOPTANK AVE
CityCAMBRIDGE
StateMD
Zip21613-1626
Property CategoryResidential
Property TypeResidential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning CodeNC-3
Legal DescriptionLOT 7,504 SQ. FT. 221 CHOPTANK AVENUE CAMBRIDGE
JurisdictionDORCHESTER MD
Township / Civil Division7, CAMBRIDGE
Census Block Group3
Census Block3015
Census Tract970400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin 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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordCompany Name on Record
Mailing AddressPO BOX 505, CAMBRIDGE, MD 21613-0505
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Nov 15, 2017Deed of Trust, Mortgage
HEBRON SAVINGS BANK
Nov 20, 2019Deed of Trust, Mortgage
HEBRON SAVINGS BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 27, 2015 · Amount on Record
Deed SaleJul 27, 2015 · Amount on Record
Prior SaleJul 12, 2005 · Amount on Record
Deed Book / Page1279 / 1
Record UpdatedOct 29, 2026

November 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDORCHESTER MD
Property Address221 CHOPTANK AVE, CAMBRIDGE, MD 21613-1626
Transaction TypeMortgage
Record UpdatedAug 11, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0014330055
DateNov 15, 2017
Book Page1433/055
Instrument1433-055
Lender
NameHEBRON SAVINGS BANK
TypeBank
Address00000
Agreement
AmountAmount Recorded
Term179 Months
DueOct 25, 2032

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDORCHESTER MD
Property Address221 CHOPTANK AVE, CAMBRIDGE, MD 21613-1626
Transaction TypeMortgage
Record UpdatedAug 11, 2022
Title CompanyREAL ESTATE TITLE & ESCROW

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0015490092
DateNov 20, 2019
Book Page1549/092
Lender
NameHEBRON SAVINGS BANK
TypeBank
AddressHEBRON, MD 21830
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Dorchester County assessment roll, as of October 1, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyDorchester County
MunicipalityCambridge City
Unified School DistrictDorchester County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,424.00 (+3.1%)$236,767 (+6.96%)$253,300 (+10.85%) Land $22,500 Building $230,800
2025$4,291.00 (+4.89%)
2023$4,091.00$221,367$228,500 Land $22,500 Building $206,000

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 28 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies78 units insured
incl. 50 condo units
Nearby Flood Claims27 (1985–2024)
Claims Outside the SFHA7 of 27
Most Recent ClaimJan 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 RiskLow
lower than 97% of the US · lower than 94% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemCITY OF CAMBRIDGE WATER
serves 15,000 people · EPA ID MD0090002
Water SourceGroundwater
Last State InspectionJun 2025
Lead4 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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