Dorchester County property record for 406 Shepherd Ave, Cambridge, MD 21613
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 840 sqft · built 1955 |
| Lot Size | 0.216 acres (9,400 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $209,000 (Sep 2026) |
| Tax Bill | $1,680 (2026) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-170432 |
| Primary APN | 07-170432 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 840 sqft Total Area |
| Attic | Attic |
| Attic Area | 300 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Conventional |
| Exterior Material | Other |
| Roof Material | Composition Shingle |
| Lot Area | 9,400 sqft (0.216 acres) |
| Porch | Slab |
| Porch Area | 48 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 170432 |
|---|---|
| Street Address | 406 SHEPHERD AVE |
| City | CAMBRIDGE |
| State | MD |
| Zip | 21613-2849 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | L 113G-9,400 SQ. FT. 406 SHEPHERD AVENUE CAMBRIDGE |
| Jurisdiction | DORCHESTER MD |
| Township / Civil Division | 7, CAMBRIDGE |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 970600 |
406 Shepherd Ave is owned and occupied by two individuals who bought it in September 2026.
Source: Dorchester County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4270 KETTLE RD, ALTOONA, PA 16601-8406 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2026 · Amount on File |
| Deed Sale | Sep 23, 2026 · Amount on File |
| Prior Sale | Mar 29, 2006 |
| Deed Document Number | 2026 |
| Deed Book / Page | 2042 / 346 |
| Prior Transfer Date | Mar 28, 2006 |
| Prior Transfer Doc | MLB007200272 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Recording Date | Sep 23, 2026 |
| Property Address | 406 SHEPHERD AVE, CAMBRIDGE, MD 21613-2849 |
| Document Number | 2042000346 |
| Book / Page | 2042 / 346 |
| Instrument Date | Sep 11, 2026 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $211,090.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4270 KETTLE RD, ALTOONA, PA 16601-8406 |
| Document Number | 2042000354, |
|---|---|
| Date | Sep 23, 2026 |
| Book Page | 2042/354 |
| Name | M & T BANK NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2026 property tax bill for 406 Shepherd Ave was $1,680 with a homeowner's exemption, up 97.9% from the year before.
Source: Dorchester County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Dorchester County |
| Municipality | Cambridge City |
| Unified School District | Dorchester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,680.00 (+97.88%) Homeowner's exemption | $91,367 (+0.18%) | $91,700 (+0.55%) Land $21,500 Building $70,200 |
| 2025 | $849.00 Homeowner's exemption | $91,200 Land $21,500 Building $69,700 | $91,200 Land $21,500 Building $69,700 |
| 2023 | $632.00 Homeowner's exemption | $79,667 | $91,200 Land $21,500 Building $69,700 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 406 Shepherd Ave 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 risk around 406 Shepherd Ave is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 76% of Maryland |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 473 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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