302 Choptank Ave, Cambridge, MD 21613 Property Records

Dorchester County property record for 302 Choptank Ave, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,998 sqft · built 1920
Lot Size	0.098 acres (4,250 sqft)
Owner	2 Company Names on Record
Last Sale	$305,000 (Jun 2022)
Tax Bill	$5,208 (2026)
Deeds & Mortgages	Sep 2022 Mortgage Jun 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-121032`

Property Details

APN / Parcel Number

Primary APN	`07-121032`
Alternative APNs	`7121032` `121032`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,998 sqft Total Area
Attic	Attic
Attic Area	300 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	4,250 sqft (0.098 acres)
Porch	Slab
Porch Area	132 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	121032
Street Address	302 CHOPTANK AVE
City	CAMBRIDGE
State	MD
Zip	21613-1728
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 4,250 SQ. FT. 302 CHOPTANK AVENUE CAMBRIDGE
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	3
Census Block	3017
Census Tract	970400

Owner

Source: Dorchester County records, as of October 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	302 CHOPTANK AVE, CAMBRIDGE, MD 21613-1728
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Jun 22, 2022	Deed, Transfer NOT AVAILABLE, VENTURE TITLE COMPANY LLC
Dec 14, 2021	Deed, Transfer · Commercial Mortgage KIAVI FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2022 · Amount on Record
Deed Sale	Jun 22, 2022 · Amount on Record
Prior Sale	Dec 14, 2021 · Amount on Record
Deed Book / Page	1749 / 423
Last Transfer Date	Jun 11, 2024
Transfer Doc	1884000227
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	302 CHOPTANK AVE, CAMBRIDGE, MD 21613-1728
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017650076
Date	Sep 1, 2022
Book Page	1765/76

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Jun 22, 2022
Property Address	302 CHOPTANK AVE, CAMBRIDGE, MD 21613-1728
Document Number	0017490423
Book / Page	1749 / 423
Map Reference	LB 1704 FO 237
Instrument Date	Jun 10, 2022
Transaction Type	Transfer
Record Updated	Jul 1, 2022
Title Company	NOT AVAILABLE, VENTURE TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	302 CHOPTANK AVE, CAMBRIDGE, MD 21613-1728

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Dec 14, 2021
Property Address	302 CHOPTANK AVE, CAMBRIDGE, MD 21613-1728
Document Number	0017040237
Book / Page	1704 / 237
Instrument Date	Dec 3, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	CAMBRIDGE TITLE COMPANY

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
Address	206 CHOPTANK AVENUE, EAST NEW MARKET, MD 21631

Mortgage

Document Number	0001704241
Date	Dec 14, 2021
Instrument	1704/241

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$5,208.00 (+6.94%)	$278,733 (+7.49%)	$317,600 (+22.48%) Land $39,100 Building $278,500
2025	$4,870.00 (+84.96%)	$259,300 (+81.96%) Land $30,100 Building $229,200	$259,300 (-) Land $30,100 Building $229,200
2023	$2,633.00	$142,500	$259,300 Land $30,100 Building $229,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% 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 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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