405 Leonards Ln, Cambridge, MD 21613 Property Records

Dorchester County property record for 405 Leonards Ln, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,552 sqft · built 1910
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on Record
Last Sale	$234,000 (Feb 2026)
Tax Bill	$3,775 (2026)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-172907`

Property Details

APN / Parcel Number

Primary APN	`07-172907`
Alternative APNs	`7172907` `172907`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,552 sqft Total Area
Attic	Attic
Attic Area	720 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,625 sqft (0.198 acres)
Porch	Porch
Porch Area	78 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	172907
Street Address	405 LEONARDS LN
City	CAMBRIDGE
State	MD
Zip	21613-1460
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 5-8,625 SQ. FT. 405 LEONARDS LANE CAM
Legal Subdivision	DUNDEANS ADD TO CAMBRIDGE
Legal Lot Number	5
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	2
Census Block	2011
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	405 LEONARDS LN, CAMBRIDGE, MD 21613-1460
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Deed, Transfer · FHA Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Oct 27, 2022	Deed, Transfer · Conventional Mortgage LOWER LLC
Nov 15, 2018	Grant Deed, Transfer EASTERN MT TITLE COMPANY, EASTERN SHR TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2026 · Amount on Record
Deed Sale	Feb 18, 2026 · Amount on Record
Prior Sale	Oct 27, 2022 · Amount on Record
Deed Book / Page	1997 / 265
Record Updated	Oct 29, 2026

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Feb 18, 2026
Property Address	405 LEONARDS LN, CAMBRIDGE, MD 21613-1460
Document Number	0019970265
Book / Page	1997 / 265
Instrument Date	Jan 27, 2026
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$585.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 LEONARDS LN, CAMBRIDGE, MD 21613-1460

Mortgage

Document Number	0001997272
Date	Feb 18, 2026
Instrument	1997/272

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Oct 27, 2022
Property Address	405 LEONARDS LN, CAMBRIDGE, MD 21613-1460
Document Number	0017760114
Book / Page	1776 / 114
Map Reference	LB RSM 2 FO 30
Instrument Date	Oct 20, 2022
Transaction Type	Transfer
Record Updated	Nov 10, 2022
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$549.75
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	405 LEONARDS LN, CAMBRIDGE, MD 21613-1460

Mortgage

Document Number	0001776121
Date	Oct 27, 2022
Instrument	1776-121

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DORCHESTER MD
Recording Date	Nov 15, 2018
Property Address	405 LEONARDS LN, CAMBRIDGE, MD 21613-1460
Document Number	0014930483
Book / Page	001493 / 000483
Instrument Date	Nov 9, 2018
Transaction Type	Transfer
Record Updated	Dec 5, 2018
Title Company	EASTERN MT TITLE COMPANY, EASTERN SHR TITLE CO

Transaction

Amount	Amount Recorded
Tax	$33.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1414 TOWN POINT RD CAMBRIDGE MD 216133574, CAMBRIDGE, MD 21613-3574

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	$3,775.00 (+54.14%)	$202,033 (+5.56%)	$223,300 (+16.67%) Land $30,500 Building $192,800
2025	$2,449.00 (+12.7%) Homeowner's exemption	$191,400 (+62.76%) Land $30,500 Building $160,900	$191,400 (-) Land $30,500 Building $160,900
2023	$2,173.00	$117,600	$191,400 Land $30,500 Building $160,900

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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