321 Choptank Ave, Cambridge, MD 21613 Property Records

Dorchester County property record for 321 Choptank Ave, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,140 sqft · built 1920
Lot Size	0.081 acres (3,528 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Jul 2026)
Tax Bill	$2,659 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-169523`

Property Details

APN / Parcel Number

Primary APN	`07-169523`
Alternative APNs	`7169523` `169523`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,140 sqft Total Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,528 sqft (0.081 acres)
Porch	Slab
Porch Area	257 sqft

Utilities, Heating & Cooling

Heating System	Space Heater
Sewer	Connected

Location & Zoning

Account Number	169523
Street Address	321 CHOPTANK AVE
City	CAMBRIDGE
State	MD
Zip	21613-1760
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 3,528 SQ.FT. 321 CHOPTANK AVENUE CAMBRIDGE
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	3
Census Block	3019
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	13009 OAKLAND RD, RIDGELY, MD 21660-1552
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORPORATION
Jun 9, 2022	Quit Claim Deed, Transfer · Commercial Mortgage KIAVI FUNDING INC
Nov 16, 2021	Deed, Transfer · Commercial Mortgage COMMERCIAL LENDER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2026 · Amount on Record
Deed Sale	Jul 29, 2026 · Amount on Record
Prior Sale	Nov 16, 2021 · Amount on Record
Deed Book / Page	2030 / 210
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Jul 29, 2026
Property Address	321 CHOPTANK AVE, CAMBRIDGE, MD 21613-1760
Document Number	2030000210
Book / Page	2030 / 210
Instrument Date	Jul 22, 2026
Transaction Type	Transfer
Record Updated	Aug 10, 2026
Title Company	EASTERN TITLE, EASTERN SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$207,050.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13009 OAKLAND RD, RIDGELY, MD 21660-1552
Investor	Possibly a Property Investor

Mortgage

Document Number	2030000214,
Date	Jul 29, 2026
Book Page	2030/214

Lender

Name	FIRST HOME MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.47%
Max Rate	-1%

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DORCHESTER MD
Recording Date	Jun 9, 2022
Property Address	321 CHOPTANK AVE, CAMBRIDGE, MD 21613-1760
Document Number	0017470329
Book / Page	1747 / 329
Instrument Date	May 25, 2022
Transaction Type	Transfer
Record Updated	Jun 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5425 WISCONSIN AVE # 600647, 5425, CHEVY CHASE, MD 20815-3552

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5368 CHILLUM PL NE, WASHINGTON, DC 20011-2621

Mortgage

Document Number	0001747334
Date	Jun 9, 2022
Instrument	1747-334

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Nov 16, 2021
Property Address	321 CHOPTANK AVE, CAMBRIDGE, MD 21613-1760
Document Number	0016970443
Book / Page	1697 / 443
Instrument Date	Nov 10, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	BRIGHT TITLE SERVICES LLC, BRIGHT TTL & STLMT SVCS LLC

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	5368 CHILLUM PL NE, WASHINGTON, DC 20011-2621

Mortgage

Document Number	0001697448
Date	Nov 16, 2021
Instrument	1697/448

Lender

Name	COMMERCIAL LENDER LLC

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Dec 1, 2022

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	$2,659.00 (+4.03%)	$142,300 (+4.56%)	$154,700 (+13.67%) Land $39,000 Building $115,700
2025	$2,556.00 (+30.08%)	$136,100 (+27.95%) Land $30,000 Building $106,100	$136,100 (-) Land $30,000 Building $106,100
2023	$1,965.00	$106,367	$136,100 Land $30,000 Building $106,100

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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