401 Bayly Ave, Cambridge, MD 21613 Property Records

Dorchester County property record for 401 Bayly Ave, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,004 sqft · built 1962
Lot Size	0.097 acres (4,210 sqft)
Owner	2 Company Names on Record
Last Sale	$150,000 (Aug 2022)
Tax Bill	$2,193 (2025)
Deeds & Mortgages	Aug 2022 Sale Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-148496`

Property Details

APN / Parcel Number

Primary APN	`07-148496`
Alternative APNs	`7148496` `148496`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,004 sqft Total Area

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	4,210 sqft (0.097 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	148496
Street Address	401 BAYLY AVE
City	CAMBRIDGE
State	MD
Zip	21613-2815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 31-4,210 SQ. FT. 401 BAYLY AVENUE CAMBRIDGE
Legal Subdivision	APPLEBY
Legal Lot Number	31
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	1
Census Block	1025
Census Tract	970600

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 Company Names on Record
Mailing Address	4434 MAPLE DAM RD, CAMBRIDGE, MD 21613-3728
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Deed, Transfer
Sep 4, 2019	Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2022 · Amount on Record
Deed Sale	Aug 18, 2022 · Amount on Record
Prior Sale	Sep 4, 2019 · Amount on Record
Transfer Doc	0000000611
Record Updated	Sep 20, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Aug 18, 2022
Property Address	401 BAYLY AVE, CAMBRIDGE, MD 21613-2815
Document Number	0017620046
Book / Page	1762 / 46
Instrument Date	Aug 17, 2022
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4434 MAPLE DAM RD, CAMBRIDGE, MD 21613-3728

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Sep 4, 2019
Property Address	401 BAYLY AVE, CAMBRIDGE, MD 21613-2815
Document Number	0015360368
Book / Page	1536 / 368
Map Reference	LB JFD 1 FO 25
Instrument Date	Aug 30, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	EASTERN SHORE TITLE COMPANY

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
Relationship	Revocable Living Trust
Address	401 BAYLY AVE, CAMBRIDGE, MD 21613-2815

Mortgage

Document Number	0001536373
Date	Sep 4, 2019
Instrument	1536/373

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

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

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		$118,500 (+20.1%)	$121,900 (+4.37%) Land $21,000 Building $100,900
2025	$2,193.00 (+20.3%)
2023	$1,823.00	$98,667	$116,800 Land $21,000 Building $95,800

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	4 (1979–2003)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2003 · Hurricane Isabel

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 473 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250

May also be available: Bay Country Communications, Verizon.

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