407 Cedar St, Cambridge, MD 21613 Property Records

Dorchester County property record for 407 Cedar St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,488 sqft · built 1910
Lot Size	0.119 acres (5,200 sqft)
Owner	2 Trust Names on File
Last Sale	$105,000 (Jul 2010)
Tax Bill	$1,098 (2026)
Deeds & Mortgages	Aug 2019 Transfer Aug 2019 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-123345`

Property Details

APN / Parcel Number

Primary APN	`07-123345`
Alternative APNs	`7123345` `123345`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	1,488 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	5,200 sqft (0.119 acres)
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

Heating System	Space Heater
Sewer	Connected

Location & Zoning

Account Number	123345
Street Address	407 CEDAR ST
City	CAMBRIDGE
State	MD
Zip	21613-2528
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-2
Legal Description	LOT 5,200 SQ. FT. 407 CEDAR STREET CAMBRIDGE
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	2
Census Block	2047
Census Tract	970400

Owner

407 Cedar St is held in a trust since July 2010.

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

Owner of Record	2 Trust Names on File
Mailing Address	200 TRENTON ST, CAMBRIDGE, MD 21613-2407
Owner Type	Company
Vesting	Trust

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
Aug 26, 2019	Quit Claim Deed, Transfer CAMBRIDGE TITLE INC
Aug 27, 2019	Grant Deed, Transfer · Line of Credit HEBRON SVGS BK
Oct 24, 2018	Deed of Trust, Mortgage · Line of Credit HEBRON SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2010 · Amount on File
Deed Sale	Jul 1, 2010 · Amount on File
Prior Sale	Apr 6, 2005 · Amount on File
Deed Document Number	201091151
Deed Book / Page	988 / 101
Record Updated	Oct 29, 2026

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DORCHESTER MD
Recording Date	Aug 26, 2019
Property Address	407 CEDAR ST, CAMBRIDGE, MD 21613-2528
Document Number	0015350440
Book / Page	001535 / 000440
Instrument Date	Aug 23, 2019
Transaction Type	Transfer
Record Updated	Sep 9, 2019
Title Company	CAMBRIDGE TITLE INC

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	140 REGULATOR DR N CAMBRIDGE MD 216131322, CAMBRIDGE, MD 21613-1322

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DORCHESTER MD
Recording Date	Aug 27, 2019
Property Address	407 CEDAR ST, CAMBRIDGE, MD 21613-2528
Document Number	0015360008
Book / Page	001536 / 000008
Instrument Date	Aug 23, 2019
Transaction Type	Transfer
Record Updated	Sep 27, 2019
Title Company	CAMBRIDGE TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,180.00
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	200 TRENTON ST CAMBRIDGE MD 216132407, CAMBRIDGE, MD 21613-2407

Mortgage

Document Number	15360020
Date	Aug 27, 2019
Book Page	001536/000020

Lender

Name	HEBRON SVGS BK
Type	Federal Savings Bank
Address	HEBRON, MD 21830

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 26, 2044

Interest

Rate Type	Adjustable Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	407 CEDAR ST, CAMBRIDGE, MD 21613-2528
Document Number	0014920001
Instrument Date	Oct 24, 2018
Transaction Type	Mortgage
Record Updated	Nov 19, 2018
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	216 DORCHESTER AVE #2 CAMBRIDGE MD 216132472, 2, CAMBRIDGE, MD 21613-2472

Mortgage

Document Number	0014920001
Date	Nov 1, 2018
Book Page	001492/000001

Lender

Name	HEBRON SVGS BK
Type	Federal Savings Bank
Address	HEBRON, MD 21830

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 31, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 407 Cedar St was $1,098, down 2.8% 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	$1,098.00 (-2.83%)	$58,800 Land $16,100 Building $42,700	$58,800 Land $16,100 Building $42,700
2025	$1,130.00
2023	$1,094.00	$59,200	$60,200 Land $16,100 Building $44,100

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

Flood

FEMA maps place 407 Cedar St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.

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	23 units insured incl. 18 condo units
Nearby Flood Claims	3 (2003)
Most Recent Claim	Sep 2003 · Hurricane Isabel
Claims by Event	Hurricane Isabel, Sep 2003 · 3 claims

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 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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