3 Somerset Ave, Cambridge, MD 21613 Property Records

Dorchester County property record for 3 Somerset Ave, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,760 sqft · built 1958
Lot Size	0.309 acres (13,475 sqft)
Owner	2 Individual Names on Record
Last Sale	$212,500 (Dec 2021)
Tax Bill	$4,218 (2026)
Deeds & Mortgages	Dec 2021 Transfer Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`07-126700`

Property Details

APN / Parcel Number

Primary APN	`07-126700`
Alternative APNs	`7126700` `126700`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,760 sqft Total Area
Attic	Attic
Attic Area	268 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,475 sqft (0.309 acres)
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	126700
Street Address	3 SOMERSET AVE
City	CAMBRIDGE
State	MD
Zip	21613-1203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 13,475 SQ. FT. 3 SOMERSET AVE CAMB
Legal Subdivision	GLASGOW
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4027
Census Tract	970702

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	3 SOMERSET AVE, CAMBRIDGE, MD 21613-1203
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Intrafamily Transfer, Transfer
Dec 22, 2021	Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Mar 4, 2020	Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2021 · Amount on Record
Deed Sale	Dec 22, 2021 · Amount on Record
Prior Sale	Mar 4, 2020 · Amount on Record
Deed Book / Page	1706 / 436
Record Updated	Oct 29, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DORCHESTER MD
Recording Date	Dec 28, 2021
Property Address	3 SOMERSET AVE, CAMBRIDGE, MD 21613-1203
Document Number	0017080144
Book / Page	1708 / 144
Instrument Date	Dec 22, 2021
Transaction Type	Transfer
Record Updated	Jan 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3 SOMERSET AVE, CAMBRIDGE, MD 21613-1203

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Dec 22, 2021
Property Address	3 SOMERSET AVE, CAMBRIDGE, MD 21613-1203
Document Number	0017060436
Book / Page	1706 / 436
Instrument Date	Dec 20, 2021
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CABRIDGE TITLE CO

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
Relationship	Tenants in Severalty
Address	3 SOMERSET AVE, CAMBRIDGE, MD 21613-1203

Mortgage

Document Number	0001706442
Date	Dec 22, 2021
Instrument	1706/442

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Index	LIBOR

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Mar 4, 2020
Property Address	3 SOMERSET AVE, CAMBRIDGE, MD 21613-1203
Document Number	0015650270
Book / Page	1565 / 270
Map Reference	LB JFD1 FO 47
Instrument Date	Feb 28, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	DBA REAL ESTATE T&E

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	3 SOMERSET AVE, CAMBRIDGE, MD 21613-1203

Mortgage

Document Number	0001565278
Date	Mar 4, 2020
Instrument	1565/278

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

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	$4,218.00 (+0.72%)	$225,733 (+1.23%)	$231,200 (+3.68%) Land $61,900 Building $169,300
2025	$4,188.00 (+29.58%)	$223,000 (+27.53%) Land $61,900 Building $161,100	$223,000 (-) Land $61,900 Building $161,100
2023	$3,232.00	$174,867	$223,000 Land $61,900 Building $161,100

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	4.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	0.03% 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 160 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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