402 Cedar St, Cambridge, MD 21613 Property Records

Dorchester County property record for 402 Cedar St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,566 sqft · built 1910
Lot Size	0.062 acres (2,700 sqft)
Owner	2 Individual Names on File
Last Sale	$85,792 (May 2017)
Tax Bill	$842 (2026)
Deeds & Mortgages	Mar 2019 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-169280`

Property Details

APN / Parcel Number

Primary APN	`07-169280`
Alternative APNs	`7169280` `169280`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,566 sqft Total Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,700 sqft (0.062 acres)
Porch	Slab
Porch Area	234 sqft

Utilities, Heating & Cooling

Heating System	Space Heater
Sewer	Connected

Location & Zoning

Account Number	169280
Street Address	402 CEDAR ST
City	CAMBRIDGE
State	MD
Zip	21613-2316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 2,700 SQ. FT. 402 CEDAR STREET CAMBRIDGE
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	1
Census Block	1006
Census Tract	970600

Owner

402 Cedar St is owned by two individuals who bought it in May 2017.

Source: Dorchester County records, as of October 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6421 PALMER MILL RD, HURLOCK, MD 21643-3923
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage H MICHAEL SPURRY
May 1, 2017	Deed of Trust, Mortgage MICHAEL H SPURRY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2017 · Amount on File
Deed Sale	May 3, 2017 · Amount on File
Prior Sale	Mar 16, 2010 · Amount on File
Deed Document Number	20171398-274
Deed Book / Page	1398 / 274
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	402 CEDAR ST, CAMBRIDGE, MD 21613-2316
Document Number	0015100038
Instrument Date	Mar 8, 2019
Transaction Type	Mortgage
Record Updated	Apr 1, 2019
Title Company	VENTURE TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 CEDAR ST CAMBRIDGE MD 216132316, CAMBRIDGE, MD 21613-2316

Mortgage

Document Number	0015100038
Date	Mar 15, 2019
Book Page	001510/000038

Lender

Name	H MICHAEL SPURRY
Address	8737 BRENTON DR, EASTON, MD 21601-1201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Mar 14, 2022

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	402 CEDAR ST, CAMBRIDGE, MD 21613-2316
Document Number	0013980262
Book / Page	001398 / 000262
Instrument Date	May 1, 2017
Transaction Type	Mortgage
Record Updated	Jul 28, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 CEDAR ST CAMBRIDGE MD 216132316, CAMBRIDGE, MD 21613-2316

Mortgage

Document Number	0013980262
Date	May 2, 2017
Book Page	001398/000262

Lender

Name	MICHAEL H SPURRY
Address	8737 BRENTON DR, EASTON, MD 21601-1201

Agreement

Amount	Amount on Record
Term	60 Months
Due	May 1, 2022

Tax Assessment & Valuation

The 2026 property tax bill for 402 Cedar St was $842, up 0.6% from the year before.

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	$842.00 (+0.6%)	$45,100	$46,100 Land $14,300 Building $31,800
2025	$837.00
2023	$824.00	$44,600 Land $14,300 Building $30,300	$44,600 Land $14,300 Building $30,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 402 Cedar St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1979.

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

Wildfire risk around 402 Cedar St is low, with a 0.01% annual chance of 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	Direct burnable vegetation

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 593 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.

Nearby Properties on Cedar St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures