3 Bay View Ave, Cambridge, MD 21613 Property Records

Dorchester County property record for 3 Bay View Ave, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,404 sqft · built 1972
Lot Size	0.296 acres (12,876 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,521 (2026)
Deeds & Mortgages	Apr 2024 Mortgage Jan 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`07-177976`

Property Details

APN / Parcel Number

Primary APN	`07-177976`
Alternative APNs	`7177976` `177976`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,404 sqft Total Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,876 sqft (0.296 acres)
Porch	Slab
Porch Area	195 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	177976
Street Address	3 BAY VIEW AVE
City	CAMBRIDGE
State	MD
Zip	21613-1102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	LOT 12,876 SQ. FT. 3 BAYVIEW AVENUE CAMBRIDGE
Legal Subdivision	MAP OF LOTS OF CLEMENT S HENRY
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4042
Census Tract	970702

Owner

3 Bay View Ave is owned and occupied by two individuals who acquired it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 BAY VIEW AVE, CAMBRIDGE, MD 21613-1102
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 8, 2024	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jan 12, 2021	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 29, 2020
Transfer Doc	0016200118
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	3 BAY VIEW AVE, CAMBRIDGE, MD 21613-1102
Transaction Type	Mortgage
Record Updated	Apr 23, 2024
Title Company	NOT AVAILABLE, CSMB LLC DBA EASTERN TTL & S

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018680179
Date	Apr 8, 2024
Book Page	1868/179

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DORCHESTER MD
Recording Date	Jan 12, 2021
Property Address	3 BAY VIEW AVE, CAMBRIDGE, MD 21613-1102
Document Number	0016200118
Book / Page	001620 / 000118
Instrument Date	Dec 29, 2020
Transaction Type	Transfer
Record Updated	Feb 15, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 BAY VIEW AVE CAMBRIDGE MD 216131102, CAMBRIDGE, MD 21613-1102

Tax Assessment & Valuation

The 2026 property tax bill for 3 Bay View Ave was $1,521 with a homeowner's exemption, up 2.4% 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	$1,521.00 (+2.36%) Homeowner's exemption	$128,000 (+2.48%)	$134,200 (+7.45%) Land $36,800 Building $97,400
2025	$1,486.00 Homeowner's exemption	$124,900 Land $36,800 Building $88,100	$124,900 Land $36,800 Building $88,100
2023	$1,331.00 Homeowner's exemption	$114,367	$124,900 Land $36,800 Building $88,100

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

Flood

FEMA maps place 3 Bay View Ave 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 3 Bay View Ave is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 71% of Maryland
Wildfire Likelihood	0.05% 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

5G (outdoors only) and 4G LTE

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