304 Talbot Ave, Cambridge, MD 21613 Property Records

Dorchester County property record for 304 Talbot Ave, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,250 sqft · built 1952
Lot Size	0.263 acres (11,459 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Mar 2020)
Tax Bill	$1,670 (2026)
Deeds & Mortgages	Apr 2018 Construction Loan Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-142307`

Property Details

APN / Parcel Number

Primary APN	`07-142307`
Alternative APNs	`7142307` `142307`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,250 sqft Total Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,459 sqft (0.263 acres)
Shed	1 Shed
Shed Area	960 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	142307
Street Address	304 TALBOT AVE
City	CAMBRIDGE
State	MD
Zip	21613-1516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 11,200 SQ. FT. 304 TALBOT AVE CAMB
Legal Subdivision	GLASGOW ESTATE
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4023
Census Tract	970400

Owner

304 Talbot Ave is owned and occupied by an individual who bought it in March 2020.

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

Owner of Record	Individual Name on File
Mailing Address	304 TALBOT AVE, CAMBRIDGE, MD 21613-1516
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 11, 2018	Deed of Trust, Mortgage · Construction Mortgage 1880 BANK
Mar 3, 2020	Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2020 · Amount on File
Deed Sale	Mar 3, 2020 · Amount on File
Prior Sale	Nov 5, 2004 · Amount on File
Deed Book / Page	1565 / 161
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	304 TALBOT AVE, CAMBRIDGE, MD 21613-1516
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014570051
Date	Apr 11, 2018
Book Page	1457/051

Lender

Name	1880 BANK
Type	Bank
Address	CAMBRIDGE, MD 21613

Agreement

Type	Construction Mortgage
Amount	Amount on Record

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Mar 3, 2020
Property Address	304 TALBOT AVE, CAMBRIDGE, MD 21613-1516
Document Number	0015650161
Book / Page	1565 / 161
Instrument Date	Feb 28, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	CAMBRIDGE TITLE COMPANY

Transaction

Amount	Amount 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
Address	304 TALBOT AVE, CAMBRIDGE, MD 21613-1516

Mortgage

Document Number	0001565167
Date	Mar 3, 2020
Instrument	1565/167

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 304 Talbot Ave was $1,670, up 4% from the year before.

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	$1,670.00 (+4.05%)	$203,100	$215,300 Land $51,800 Building $163,500
2025	$1,605.00
2023	$3,016.00	$163,200	$197,000 Land $41,700 Building $155,300

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

Flood

FEMA maps place 304 Talbot Ave in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1979.

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 36 individual policies
Nearby Flood Policies	60 units insured incl. 24 condo units
Nearby Flood Claims	25 (1979–2025)
Claims Outside the SFHA	4 of 25
Most Recent Claim	Jul 2025
Claims by Event	Hurricane Isabel, Sep 2003 · 18 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 304 Talbot Ave is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Direct 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 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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