407 Caribbean Ave, Cambridge, MD 21613 Property Records

Dorchester County property record for 407 Caribbean Ave, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,409 sqft · built 2006
Lot Size	0.181 acres (7,875 sqft)
Owner	Individual Name on File
Last Sale	$275,270 (Dec 2006)
Tax Bill	$4,515 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-219644`

Property Details

APN / Parcel Number

Primary APN	`07-219644`
Alternative APN	`219644`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,409 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,875 sqft (0.181 acres)
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	219644
Street Address	407 CARIBBEAN AVE
City	CAMBRIDGE
State	MD
Zip	21613-3054
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15-7,875 SQ.FT. N/S CARIBBEAN AVE S/S ATLANTIC AVE
Legal Subdivision	FINAL SUBDIVISION PALT O OCEAN ESTATES
Legal Lot Number	15
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	1
Census Block	1035
Census Tract	970600

Owner

407 Caribbean Ave is owned and occupied by an individual who acquired it in April 2021.

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

Owner of Record	Individual Name on File
Mailing Address	407 CARIBBEAN AVE, CAMBRIDGE, MD 21613-3054
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
Nov 21, 2025	Deed of Trust, Mortgage · Partial Claim Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 2, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 26, 2021	Intrafamily Transfer, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2006 · Amount on File
Deed Sale	Dec 29, 2006 · Amount on File
Deed Document Number	200660818
Deed Book / Page	780 / 435
Last Transfer Date	Apr 30, 2021
Transfer Doc	0016530235
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	407 CARIBBEAN AVE, CAMBRIDGE, MD 21613-3054
Transaction Type	Mortgage
Record Updated	Dec 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 CARIBBEAN AVE, CAMBRIDGE, MD 21613-3054

Mortgage

Document Number	0019810111
Date	Nov 21, 2025
Book Page	1981/111

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Partial Claim Mortgage
Amount	Amount on Record
Term	481 Months
Due	Dec 1, 2065

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	407 CARIBBEAN AVE, CAMBRIDGE, MD 21613-3054
Transaction Type	Mortgage
Record Updated	Oct 19, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 CARIBBEAN AVE, CAMBRIDGE, MD 21613-3054

Mortgage

Document Number	0018360331
Date	Oct 2, 2023
Book Page	1836/331

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	332 Months
Due	Jun 1, 2051

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DORCHESTER MD
Recording Date	May 26, 2021
Property Address	407 CARIBBEAN AVE, CAMBRIDGE, MD 21613-3054
Document Number	0016530235
Book / Page	1653 / 235
Instrument Date	Apr 30, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	407 CARIBBEAN AVE, CAMBRIDGE, MD 21613-3054

Mortgage

Document Number	0016530239
Date	May 26, 2021
Book Page	1653/239

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 407 Caribbean Ave was $4,515 with a homeowner's exemption, up 4.4% 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	$4,515.00 (+4.37%) Homeowner's exemption	$281,633 (+3.35%)	$299,900 (+10.06%) Land $16,300 Building $283,600
2025	$4,326.00 Homeowner's exemption	$272,500 Land $16,300 Building $256,200	$272,500 Land $16,300 Building $256,200
2023	$3,844.00 Homeowner's exemption	$230,833	$272,500 Land $16,300 Building $256,200

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

Flood

FEMA maps place 407 Caribbean 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

Wildfire risk around 407 Caribbean Ave is low, with a 0.02% 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 305 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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