317 Mill St, Cambridge, MD 21613 Property Records

Dorchester County property record for 317 Mill St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,781 sqft · built 1959
Lot Size	0.318 acres (13,868 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Aug 2021)
Tax Bill	$4,506 (2026)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-164424`

Property Details

APN / Parcel Number

Primary APN	`07-164424`
Alternative APNs	`7164424` `164424`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,781 sqft Total Area
Attic	Attic
Attic Area	342 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,868 sqft (0.318 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	164424
Street Address	317 MILL ST
City	CAMBRIDGE
State	MD
Zip	21613-1762
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 13,868 SQ. FT. 317 MILL STREET CAMBRIDGE
Legal Subdivision	SURVEY JAMES L JONES
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	3
Census Block	3018
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	2 Individual Names on Record
Mailing Address	317 MILL ST, CAMBRIDGE, MD 21613-1762
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2021	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Nov 21, 2019	Deed, Transfer · Conventional Mortgage PROVIDENT STATE BANK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2021 · Amount on Record
Deed Sale	Aug 20, 2021 · Amount on Record
Prior Sale	Nov 21, 2019 · Amount on Record
Deed Book / Page	1674 / 441
Record Updated	Oct 29, 2026

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Aug 20, 2021
Property Address	317 MILL ST, CAMBRIDGE, MD 21613-1762
Document Number	0016740441
Book / Page	1674 / 441
Map Reference	LB 23 FO 1
Instrument Date	Jul 30, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	EASTERN MT TITLE COMPANY, EASTERN SHORE TITLE COMPANY

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 by the Entirety
Address	317 MILL ST, CAMBRIDGE, MD 21613-1762

Mortgage

Document Number	0001674447
Date	Aug 20, 2021
Instrument	1674/447

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Nov 21, 2019
Property Address	317 MILL ST, CAMBRIDGE, MD 21613-1762
Document Number	0015490411
Book / Page	1549 / 411
Instrument Date	Nov 15, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	DBA REAL ESTATE T&E

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	317 MILL ST, CAMBRIDGE, MD 21613-1762

Mortgage

Document Number	0001549418
Date	Nov 21, 2019
Instrument	1549/418

Lender

Name	PROVIDENT STATE BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

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	$4,506.00 (+4.79%) Homeowner's exemption	$313,600 (+51.89%) Land $67,000 Building $246,600	$313,600 (-1.94%) Land $67,000 Building $246,600
2025	$4,300.00 (+12.68%) Homeowner's exemption
2023	$3,816.00	$206,467	$319,800 Land $67,000 Building $252,800

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 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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