317 Willis St, Cambridge, MD 21613 Property Records

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

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,342 sqft · built 1918
Lot Size	0.125 acres (5,452 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Aug 2023)
Tax Bill	$1,382 (2026)
Deeds & Mortgages	Jan 2024 Mortgage Aug 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-135386`

Property Details

APN / Parcel Number

Primary APN	`07-135386`
Alternative APNs	`7135386` `135386`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,342 sqft Total Area

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Conventional
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	5,452 sqft (0.125 acres)
Porch	Slab
Porch Area	126 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	135386
Street Address	317 WILLIS ST
City	CAMBRIDGE
State	MD
Zip	21613-1713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 5,452 SQ. FT. 317 WILLIS STREET CAMBRIDGE
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4017
Census Tract	970400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Cambridge Historic District, Wards I and III listed 1990 · 675 contributing resources · NRIS 90001370

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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 Individual Names on Record
Mailing Address	317 WILLIS ST, CAMBRIDGE, MD 21613-1713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2024	Deed of Trust, Mortgage PHYLLIS P ARGO
Aug 9, 2023	Deed, Transfer COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK
Dec 17, 2021	Deed, Transfer · Stand-Alone First Mortgage LYLE KERBY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2023 · Amount on Record
Deed Sale	Aug 9, 2023 · Amount on Record
Prior Sale	Dec 17, 2021 · Amount on Record
Deed Book / Page	1827 / 3
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	317 WILLIS ST, CAMBRIDGE, MD 21613-1713
Transaction Type	Mortgage
Record Updated	Feb 6, 2024
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018550117
Date	Jan 23, 2024
Book Page	1855/117

Lender

Name	PHYLLIS P ARGO
Type	Private Party
Address	ANDERSON, SC 29621

Agreement

Amount	Amount Recorded
Term	54 Months
Due	Jul 5, 2028

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Aug 9, 2023
Property Address	317 WILLIS ST, CAMBRIDGE, MD 21613-1713
Document Number	0018270003
Book / Page	1827 / 3
Map Reference	LB JFD 34 FO 103
Instrument Date	Aug 2, 2023
Transaction Type	Transfer
Record Updated	Aug 30, 2023
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Transaction

Amount	Amount Recorded
Tax	$312.50
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 with Right of Survivorship
Address	317 WILLIS ST, CAMBRIDGE, MD 21613-1713

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Dec 17, 2021
Property Address	317 WILLIS ST, CAMBRIDGE, MD 21613-1713
Document Number	0017050395
Book / Page	1705 / 395
Map Reference	LB 34 FO 103
Instrument Date	Oct 26, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	TITLE EXCELLENCE LLC, TITLE EXCELLENCE

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	917 BAY RIDGE AVE, ANNAPOLIS, MD 21403-3029

Mortgage

Document Number	0001705399
Date	Dec 17, 2021
Instrument	1705/399

Lender

Name	LYLE KERBY
Type	Private Party

Agreement

Type	Stand-Alone First 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	$1,382.00 (-8.78%)	$74,000 (-4.27%) Land $39,100 Building $34,900	$74,000 (-8.3%) Land $39,100 Building $34,900
2025	$1,515.00 (+6.09%)
2023	$1,428.00	$77,300	$80,700 Land $30,100 Building $50,600

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 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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