3975 Maple Dam Rd, Cambridge, MD 21613 Property Records

Dorchester County property record for 3975 Maple Dam Rd, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,320 sqft · built 2016
Lot Size	9.51 acres (414,256 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Oct 2019)
Tax Bill	$2,410 (2025)
Deeds & Mortgages	Dec 2018 Mortgage Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-007438`

Property Details

APN / Parcel Number

Primary APN	`13-007438`
Alternative APN	`007438`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,320 sqft Total Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	414,256 sqft (9.51 acres)
Porch	Slab
Porch Area	400 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	007438
Street Address	3975 MAPLE DAM RD
City	CAMBRIDGE
State	MD
Zip	21613-3852
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1-9.51 ACRES E/S SHORTERS WHARF ROAD
Legal Subdivision	SUBDIVISION BUELLIS PROPERTY
Legal Lot Number	1
Jurisdiction	DORCHESTER MD
Township / Civil Division	13, BUCKTOWN
Census Block Group	2
Census Block	2013
Census Tract	970900

Owner

Source: Dorchester County records, as of August 18, 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	3975 MAPLE DAM RD, CAMBRIDGE, MD 21613-3852
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2018	Deed of Trust, Mortgage · Commercial Mortgage CNB
Mar 1, 2019	Deed of Trust, Mortgage · Commercial Mortgage CNB
Oct 10, 2019	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2019 · Amount on Record
Deed Sale	Oct 10, 2019 · Amount on Record
Prior Sale	Jun 8, 2015 · Amount on Record
Deed Book / Page	1542 / 383
Record Updated	Sep 20, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	3975 MAPLE DAM RD, CAMBRIDGE, MD 21613-3852
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014970066
Date	Dec 11, 2018
Book Page	1497/066

Lender

Name	CNB
Type	Bank
Address	CAMBRIDGE, MD 21613

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	3975 MAPLE DAM RD, CAMBRIDGE, MD 21613-3852
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015070338
Date	Mar 1, 2019
Book Page	1507/338

Lender

Name	CNB
Type	Bank
Address	CAMBRIDGE, MD 21613

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Oct 10, 2019
Property Address	3975 MAPLE DAM RD, CAMBRIDGE, MD 21613-3852
Document Number	0015420383
Book / Page	1542 / 383
Map Reference	LB 55 FO 91
Instrument Date	Oct 7, 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	Joint Tenants
Address	3975 MAPLE DAM RD, CAMBRIDGE, MD 21613-3852

Mortgage

Document Number	0001542390
Date	Oct 10, 2019
Instrument	1542/390

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Dorchester County assessment roll, as of August 5, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Dorchester County
Unified School District	Dorchester County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$226,600 (+21.83%) Land $49,700 Building $176,900	$226,600 (+21.83%) Land $49,700 Building $176,900
2025	$2,410.00 (+13.25%) Homeowner's exemption
2023	$2,128.00 Homeowner's exemption	$186,000 Land $49,700 Building $136,300	$186,000 Land $49,700 Building $136,300

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 130 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	130 in force
Nearby Flood Claims	180 (1985–2025)
Claims Outside the SFHA	3 of 180
Most Recent Claim	Oct 2025 · tidal / storm surge
Claims by Event	Hurricane Sandy, Oct 2012 · 5 claims Hurricane Isabel, Sep 2003 · 102 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	High above 71% of the US · above 95% of Maryland
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Bloosurf Fixed Wireless	25 / 3

May also be available: Bay Country Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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