305 Talbot Ave, Cambridge, MD 21613 Property Records

Dorchester County property record for 305 Talbot Ave, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,650 sqft · built 1950
Lot Size	0.309 acres (13,475 sqft)
Owner	Individual Name on File
Last Sale	$118,000 (Jan 2017)
Tax Bill	$2,679 (2026)
Deeds & Mortgages	Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-107277`

Property Details

APN / Parcel Number

Primary APN	`07-107277`
Alternative APNs	`7107277` `107277`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,650 sqft Total Area
Attic	Attic
Attic Area	262 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,475 sqft (0.309 acres)
Porch	Slab
Porch Area	20 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	107277
Street Address	305 TALBOT AVE
City	CAMBRIDGE
State	MD
Zip	21613-1515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	L 76-13,475 SQ. FT. 305 TALBOT AVE CAMB
Legal Subdivision	A
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4022
Census Tract	970400

Owner

305 Talbot Ave is owned and occupied by an individual who bought it in January 2017.

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

Owner of Record	Individual Name on File
Mailing Address	305 TALBOT AVE, CAMBRIDGE, MD 21613-1515
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2017 · Amount on File
Deed Sale	Jan 24, 2017 · Amount on File
Prior Sale	Jul 27, 2007 · Amount on File
Deed Document Number	20171380-153
Deed Book / Page	1380 / 153
Record Updated	Oct 29, 2026

January 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Jan 24, 2017
Property Address	305 TALBOT AVE, CAMBRIDGE, MD 21613-1515
Document Number	0013800153
Book / Page	1380 / 153
Map Reference	LB JFD1 FO13
Instrument Date	Jan 20, 2017
Instrument	1380-153
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	CAMBRIDGE TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$955.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 TALBOT AVE, CAMBRIDGE, MD 21613-1515

Mortgage

Document Number	0013800162
Date	Jan 24, 2017
Book Page	1380/162
Instrument	1380-162

Lender

Name	STONEGATE MORTGAGE CORP
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 305 Talbot Ave was $2,679 with a homeowner's exemption, up 4.6% 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	$2,679.00 (+4.65%) Homeowner's exemption	$147,367	$169,500 Land $52,000 Building $117,500
2025	$2,560.00 Homeowner's exemption
2023	$2,308.00	$124,900	$136,300 Land $41,900 Building $94,400

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

Flood

FEMA maps place 305 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 305 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 66% of the US · above 70% of Maryland
Wildfire Likelihood	0.02% 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 243 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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