404 Oakley St, Cambridge, MD 21613 Property Records

Dorchester County property record for 404 Oakley St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,574 sqft · built 1940
Lot Size	0.106 acres (4,600 sqft)
Owner	Individual Name on Record
Last Sale	$60,000 (Jul 2017)
Tax Bill	$1,994 (2026)
Deeds & Mortgages	Apr 2017 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-153090`

Property Details

APN / Parcel Number

Primary APN	`07-153090`
Alternative APNs	`7153090` `153090`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,574 sqft Total Area
Attic	Attic
Attic Area	300 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	4,600 sqft (0.106 acres)
Deck Area	404 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	153090
Street Address	404 OAKLEY ST
City	CAMBRIDGE
State	MD
Zip	21613-1704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 4,600 SQ. FT. 404 OAKLEY STREET CAMBRIDGE
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	2
Census Block	2017
Census Tract	970500

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	404 OAKLEY ST, CAMBRIDGE, MD 21613-1704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2017	Deed of Trust, Mortgage HEBRON SAVINGS BANK
Jul 12, 2017	Deed, Transfer · ARM HEBRON SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2017 · Amount on Record
Deed Sale	Jul 12, 2017 · Amount on Record
Prior Sale	Jun 23, 2010 · Amount on Record
Deed Document Number	20171410-488
Deed Book / Page	1410 / 488
Transfer Doc	0000001115
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	404 OAKLEY ST, CAMBRIDGE, MD 21613-1704
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013930420
Date	Apr 7, 2017
Book Page	1393/420
Instrument	1393-420

Lender

Name	HEBRON SAVINGS BANK
Type	Bank
Address	00000

Agreement

Amount	Amount Recorded
Term	118 Months
Due	Feb 9, 2027

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Jul 12, 2017
Property Address	404 OAKLEY ST, CAMBRIDGE, MD 21613-1704
Document Number	0014100488
Book / Page	1410 / 488
Map Reference	LB RSM39 FO564
Instrument Date	Jul 11, 2017
Instrument	1410-488
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 OAKLEY ST, CAMBRIDGE, MD 21613-1704

Mortgage

Document Number	0001410493
Date	Jul 12, 2017
Instrument	1410-493

Lender

Name	HEBRON SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	240 Months
Due	Jul 10, 2037

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Aug 10, 2022
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Margin	1
Max Rate	8.5%

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	$1,994.00 (+6.63%)	$106,733 (+35.11%)	$121,000 (+21.49%) Land $30,100 Building $90,900
2025	$1,870.00 (+28.08%)
2023	$1,460.00	$79,000	$99,600 Land $30,100 Building $69,500

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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