Dorchester County property record for 409 Oakley St, Cambridge, MD 21613
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 972 sqft · built 1932 |
| Lot Size | 0.159 acres (6,909 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $195,000 (Aug 2026) |
| Tax Bill | $1,611 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-166249 |
| Primary APN | 07-166249 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 972 sqft Total Area |
| Year Built | Built 1932 |
|---|---|
| Effective Year Built | Effective 1932 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 6,909 sqft (0.159 acres) |
| Porch | Slab |
| Porch Area | 72 sqft |
| Patio Area | 156 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 166249 |
|---|---|
| Street Address | 409 OAKLEY ST |
| City | CAMBRIDGE |
| State | MD |
| Zip | 21613-1703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 6,909 SQ. FT. 409 OAKLEY ST CAMB |
| Jurisdiction | DORCHESTER MD |
| Township / Civil Division | 7, CAMBRIDGE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 970500 |
409 Oakley St is owned and occupied by two individuals who bought it in August 2026.
Source: Dorchester County records, as of October 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 OAKLEY ST, CAMBRIDGE, MD 21613-1703 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 5, 2026 · Amount on File |
| Deed Sale | Aug 5, 2026 · Amount on File |
| Prior Sale | Jul 23, 2013 · Amount on File |
| Deed Book / Page | 2031 / 187 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Recording Date | Aug 5, 2026 |
| Property Address | 409 OAKLEY ST, CAMBRIDGE, MD 21613-1703 |
| Document Number | 2031000187 |
| Book / Page | 2031 / 187 |
| Instrument Date | Jul 30, 2026 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2026 |
| Title Company | EASTERN TITLE, EASTERN SHORE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $196,950.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 OAKLEY ST, CAMBRIDGE, MD 21613-1703 |
| Document Number | 2031000192, |
|---|---|
| Date | Aug 5, 2026 |
| Book Page | 2031/192 |
| Name | SHORE UNITED BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2026 property tax bill for 409 Oakley St was $1,611, up 1.6% 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 | $1,611.00 (+1.64%) | $86,233 (+2.17%) | $89,900 (+6.52%) Land $30,300 Building $59,600 |
| 2025 | $1,585.00 | $84,400 Land $30,300 Building $54,100 | $84,400 Land $30,300 Building $54,100 |
| 2023 | $1,392.00 | $75,333 | $84,400 Land $30,300 Building $54,100 |
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 409 Oakley St in Zone X, an area of minimal flood risk.
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 risk around 409 Oakley St is low, with a 0.03% annual chance of 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.
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 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.
5G (outdoors only) and 4G LTE
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