403 Regulator Dr S, Cambridge, MD 21613 Property Records

Dorchester County property record for 403 Regulator Dr S, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,756 sqft · built 2022
Lot Size	0.233 acres (10,165 sqft)
Owner	2 Individual Names on File
Last Sale	$370,669 (Jan 2022)
Tax Bill	$6,548 (2026)
Deeds & Mortgages	Apr 2024 Mortgage Aug 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-212887`

Property Details

APN / Parcel Number

Primary APN	`07-212887`
Alternative APN	`212887`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,756 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,165 sqft (0.233 acres)
Garage Type	Mixed
Garage Area	405 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	212887
Street Address	403 REGULATOR DR S
City	CAMBRIDGE
State	MD
Zip	21613-1368
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 102-10,165 SQ FT S/S REGULATOR DR SO CAMBRIDGE
Legal Subdivision	LONGBOAT ESTATES
Legal Lot Number	102
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4035
Census Tract	970702

Owner

403 Regulator Dr S is owned and occupied by two individuals who bought it in January 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	403 REGULATOR DR S, CAMBRIDGE, MD 21613-1368
Occupancy	Owner Occupied
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
Apr 24, 2024	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Aug 22, 2025	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Jan 21, 2022	Deed, Transfer · FHA Mortgage SOUTHERN TRUST MORTGAGE LLC
Jun 26, 2018	Grant Deed, Construction Loan · Line of Credit HEBRON SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2022 · Amount on File
Deed Sale	Jan 21, 2022 · Amount on File
Deed Book / Page	1714 / 242
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	403 REGULATOR DR S, CAMBRIDGE, MD 21613-1368
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 REGULATOR DR S, CAMBRIDGE, MD 21613-1368

Mortgage

Document Number	0018710264
Date	Apr 24, 2024
Book Page	1871/264

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	333 Months
Due	Jan 1, 2052

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	403 REGULATOR DR S, CAMBRIDGE, MD 21613-1368
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 REGULATOR DR S, CAMBRIDGE, MD 21613-1368

Mortgage

Document Number	0019600361
Date	Aug 22, 2025
Book Page	1960/361

Lender

Name	M & T BANK
Type	Bank
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	317 Months
Due	Jan 1, 2052

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Jan 21, 2022
Property Address	403 REGULATOR DR S, CAMBRIDGE, MD 21613-1368
Document Number	0017140242
Book / Page	1714 / 242
Map Reference	MB 50 PG 219-223
Instrument Date	Dec 23, 2021
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	MID ATLANTIC TITLE, MID ATLANTIC TITLE LLC

Transaction

Amount	Amount on Record
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
Address	403 REGULATOR DR S, CAMBRIDGE, MD 21613-1368
Investor	Possibly a Property Investor

Mortgage

Document Number	0001714253
Date	Jan 21, 2022
Instrument	1714/253

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

June 2018: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	DORCHESTER MD
Recording Date	Jun 26, 2018
Property Address	403 REGULATOR DR S, CAMBRIDGE, MD 21613-1368
Document Number	0014700252
Book / Page	001470 / 000252
Instrument Date	Jun 25, 2018
Transaction Type	Construction Loan
Record Updated	Jul 13, 2018
Title Company	MID ATLANTIC TITLE

Transaction

Amount	Amount on Record
Tax	$1,150.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2205 COMMERCE RD FOREST HILL MD 210502566, FOREST HILL, MD 21050-2566
Investor	Possibly a Property Investor

Mortgage

Document Number	14700259
Date	Jun 26, 2018
Book Page	001470/000259

Lender

Name	HEBRON SVGS BK
Type	Federal Savings Bank
Address	PO BOX 59, HEBRON, MD 21830-0059

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	36 Months
Due	Jun 25, 2021

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	14700287,
Date	Jun 26, 2018
Book Page	001470/000287

Lender

Name	HEBRON SVGS BK
Type	Federal Savings Bank
Address	HEBRON, MD 21830

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 403 Regulator Dr S was $6,548, up 6.5% 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	$6,548.00 (+6.45%)	$350,433	$396,300 Land $41,600 Building $354,700
2025	$6,151.00
2023	$5,301.00	$286,833	$327,500 Land $21,600 Building $305,900

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

Flood

FEMA maps place 403 Regulator Dr S in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1993.

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 File median of 24 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	31 units insured incl. 7 condo units
Nearby Flood Claims	10 (1993–2024)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Hurricane Isabel, Sep 2003 · 4 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

Wildfire risk around 403 Regulator Dr S 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	None beyond ember reach

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 187 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.

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