314 Talbot Ave, Cambridge, MD 21613 Property Records

Dorchester County property record for 314 Talbot Ave, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,184 sqft · built 1966
Lot Size	0.296 acres (12,880 sqft)
Owner	Individual Name on Record
Last Sale	$238,500 (Mar 2022)
Tax Bill	$3,364 (2026)
Deeds & Mortgages	Jan 2017 Mortgage Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-117388`

Property Details

APN / Parcel Number

Primary APN	`07-117388`
Alternative APNs	`7117388` `117388`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,184 sqft Total Area

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,880 sqft (0.296 acres)
Porch	Slab
Porch Area	150 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	117388
Street Address	314 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 7-12,880 SQ. FT. 314 TALBOT AVENUE CAMBRIDGE
Legal Subdivision	GLASGOW
Legal Lot Number	7
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4023
Census Tract	970400

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	Individual Name on Record
Mailing Address	314 TALBOT AVE, CAMBRIDGE, MD 21613-1516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC FCU
Mar 4, 2022	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2022 · Amount on Record
Deed Sale	Mar 4, 2022 · Amount on Record
Prior Sale	Mar 19, 2010 · Amount on Record
Deed Book / Page	1724 / 239
Prior Transfer Date	Oct 4, 2007
Prior Transfer Doc	MLB008470181
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	314 TALBOT AVE, CAMBRIDGE, MD 21613-1516
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	KEY TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013770052
Date	Jan 4, 2017
Book Page	1377/052
Instrument	1377-052

Lender

Name	SIERRA PACIFIC FCU
Type	Credit Union
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Mar 4, 2022
Property Address	314 TALBOT AVE, CAMBRIDGE, MD 21613-1516
Document Number	0017240239
Book / Page	1724 / 239
Map Reference	LB JFD1 FO 47
Instrument Date	Feb 28, 2022
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	NOT AVAILABLE, VENTURE 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
Relationship	Tenants in Severalty
Address	314 TALBOT AVE, CAMBRIDGE, MD 21613-1516

Mortgage

Document Number	0001724245
Date	Mar 4, 2022
Instrument	1724/245

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

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

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	$3,364.00 (+2.31%)	$180,067 (+2.84%)	$190,000 (+8.51%) Land $51,900 Building $138,100
2025	$3,288.00 (+22.32%)	$175,100 (+20.4%) Land $41,800 Building $133,300	$175,100 (-) Land $41,800 Building $133,300
2023	$2,688.00	$145,433	$175,100 Land $41,800 Building $133,300

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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