400 Leonards Ln, Cambridge, MD 21613 Property Records

Dorchester County property record for 400 Leonards Ln, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	1 ba · 672 sqft · built 1946
Lot Size	0.217 acres (9,450 sqft)
Owner	Individual Name on Record
Last Sale	$113,000 (Jul 2021)
Tax Bill	$1,315 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-136226`

Property Details

APN / Parcel Number

Primary APN	`07-136226`
Alternative APNs	`7136226` `136226`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	672 sqft Total Area
Attic	Attic
Attic Area	200 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Conventional
Exterior Material	Block
Roof Material	Composition Shingle
Lot Area	9,450 sqft (0.217 acres)
Porch	Slab
Porch Area	160 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	136226
Street Address	400 LEONARDS LN
City	CAMBRIDGE
State	MD
Zip	21613-1419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 9,450 SQ. FT. 400 LEONARDS LANE CAMBRIDGE
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	2
Census Block	2016
Census Tract	970500

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	400 LEONARDS LN, CAMBRIDGE, MD 21613-1419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2026	Deed of Trust, Mortgage · FHA Mortgage COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SERVICES
Jul 6, 2021	Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
May 1, 2018	Grant Deed, Transfer · Conventional with PMI WILLIAM H SR & SUSAN E MCCULLEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2021 · Amount on Record
Deed Sale	Jul 6, 2021 · Amount on Record
Prior Sale	Apr 15, 1999 · Amount on Record
Deed Book / Page	1664 / 32
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Recording Date	Aug 25, 2026
Property Address	400 LEONARDS LN, CAMBRIDGE, MD 21613-1419
Document Number	2036000018
Book / Page	2036 / 18
Instrument Date	Aug 12, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 LEONARDS LN, CAMBRIDGE, MD 21613-1419

Mortgage

Document Number	2036000018,
Date	Aug 25, 2026
Book Page	2036/18

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Jul 1, 2051

Interest

Max Rate	-1%

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Jul 6, 2021
Property Address	400 LEONARDS LN, CAMBRIDGE, MD 21613-1419
Document Number	0016640032
Book / Page	1664 / 32
Instrument Date	Jun 29, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	CAMBRIDGE TITLE COMPANY, CAMBRIDGE TITEL CO

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	400 LEONARDS LN, CAMBRIDGE, MD 21613-1419

Mortgage

Document Number	0000166437
Date	Jul 6, 2021
Instrument	1664/37

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DORCHESTER MD
Recording Date	May 1, 2018
Property Address	400 LEONARDS LN, CAMBRIDGE, MD 21613-1419
Document Number	0014600313
Book / Page	001460 / 000313
Instrument Date	May 1, 2018
Transaction Type	Transfer
Record Updated	Jan 12, 2019
Title Company	CAMBRIDGE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$50.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	400 LEONARDS LN CAMBRIDGE MD 216131419, CAMBRIDGE, MD 21613-1419

Mortgage

Document Number	14600319
Date	May 1, 2018
Book Page	001460/000319

Lender

Name	WILLIAM H SR & SUSAN E MCCULLEY
Address	28789 SANDERSTOWN RD, TRAPPE, MD 21673-1954
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	120 Months
Due	Apr 30, 2028

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	$1,315.00 (+4.86%) Homeowner's exemption	$86,333 (+30.22%)	$90,000 (+6.51%) Land $30,600 Building $59,400
2025	$1,254.00 (+12.67%) Homeowner's exemption
2023	$1,113.00 Homeowner's exemption	$66,300	$84,500 Land $30,600 Building $53,900

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
Nearby Flood Policies	3 in force

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	0.03% 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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