406 Cedar St, Cambridge, MD 21613 Property Records

Dorchester County property record for 406 Cedar St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,200 sqft · built 1910
Lot Size	0.147 acres (6,400 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Jun 2021)
Tax Bill	$3,362 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Jan 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-139136`

Property Details

APN / Parcel Number

Primary APN	`07-139136`
Alternative APNs	`7139136` `139136`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,200 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	6,400 sqft (0.147 acres)
Porch	Porch
Porch Area	72 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	139136
Street Address	406 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 6,400 SQ. FT. 406 CEDAR STREET CAMBRIDGE
Legal Subdivision	CEDAR STREET
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	1
Census Block	1006
Census Tract	970600

Owner

406 Cedar St is owned and occupied by two individuals who bought it in June 2021.

Source: Dorchester County records, as of October 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	406 CEDAR ST, CAMBRIDGE, MD 21613-2316
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
Sep 28, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Jan 24, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 8, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 28, 2021	Deed, Transfer · FHA Mortgage ATLANTIC HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2021 · Amount on File
Deed Sale	Jun 28, 2021 · Amount on File
Prior Sale	Oct 27, 2020 · Amount on File
Deed Book / Page	1661 / 451
Transfer Doc	0005140002
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Recording Date	Sep 28, 2026
Property Address	406 CEDAR ST, CAMBRIDGE, MD 21613-2316
Document Number	2043000309
Book / Page	2043 / 309
Instrument Date	Aug 3, 2026
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 CEDAR ST, CAMBRIDGE, MD 21613-2316

Mortgage

Document Number	2043000309,
Date	Sep 28, 2026
Book Page	2043/309

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	298 Months
Due	Jul 1, 2051

Interest

Max Rate	-1%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	406 CEDAR ST, CAMBRIDGE, MD 21613-2316
Transaction Type	Mortgage
Record Updated	Sep 22, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 CEDAR ST, CAMBRIDGE, MD 21613-2316

Mortgage

Document Number	0017910237
Date	Jan 24, 2023
Book Page	1791/237

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	342 Months
Due	Jul 1, 2051

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	406 CEDAR ST, CAMBRIDGE, MD 21613-2316
Transaction Type	Mortgage
Record Updated	Sep 22, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 CEDAR ST, CAMBRIDGE, MD 21613-2316

Mortgage

Document Number	0017470234
Date	Jun 8, 2022
Book Page	1747/234

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jul 1, 2051

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Jun 28, 2021
Property Address	406 CEDAR ST, CAMBRIDGE, MD 21613-2316
Document Number	0016610451
Book / Page	1661 / 451
Instrument Date	Jun 23, 2021
Transaction Type	Transfer
Record Updated	Sep 22, 2023
Title Company	NOT AVAILABLE, VENTURE TITLE COMPANY

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
Relationship	Tenants by the Entirety
Address	406 CEDAR ST, CAMBRIDGE, MD 21613-2316

Mortgage

Document Number	0001661458
Date	Jun 28, 2021
Instrument	1661/458

Lender

Name	ATLANTIC HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 406 Cedar St was $3,362, up 1.1% 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	$3,362.00 (+1.08%)	$179,933 (+1.6%)	$185,600 (+4.8%) Land $16,200 Building $169,400
2025	$3,326.00	$177,100 Land $16,200 Building $160,900	$177,100 Land $16,200 Building $160,900
2023	$1,720.00	$93,100	$177,100 Land $16,200 Building $160,900

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 406 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 406 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.

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