415 Pacific Ave, Cambridge, MD 21613 Property Records

Dorchester County property record for 415 Pacific Ave, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,392 sqft · built 2006
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on File
Last Sale	$267,631 (Jul 2021)
Tax Bill	$4,903 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-196601`

Property Details

APN / Parcel Number

Primary APN	`07-196601`
Alternative APNs	`7196601` `196601`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,392 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	7,500 sqft (0.172 acres)
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	216 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	196601
Street Address	415 PACIFIC AVE
City	CAMBRIDGE
State	MD
Zip	21613-3041
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 1-7,500 SQ. FT. N/S PACIFIC AVE CAMBRIDGE
Legal Subdivision	OCEAN ESTATES
Legal Lot Number	1
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	1
Census Block	1036
Census Tract	970600

Owner

415 Pacific Ave is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	415 PACIFIC AVE, CAMBRIDGE, MD 21613-3041
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
Jul 16, 2021	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Apr 20, 2018	Deed, Transfer · FHA Mortgage BAY CAPITAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2021 · Amount on File
Deed Sale	Jul 16, 2021 · Amount on File
Prior Sale	Apr 20, 2018 · Amount on File
Deed Book / Page	1666 / 71
Record Updated	Oct 29, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Jul 16, 2021
Property Address	415 PACIFIC AVE, CAMBRIDGE, MD 21613-3041
Document Number	0016660071
Book / Page	1666 / 71
Map Reference	MB 51 FO 130
Instrument Date	Jul 7, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

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	Joint Tenants with Right of Survivorship
Address	415 PACIFIC AVE, CAMBRIDGE, MD 21613-3041

Mortgage

Document Number	0000166678
Date	Jul 16, 2021
Instrument	1666/78

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Apr 20, 2018
Property Address	415 PACIFIC AVE, CAMBRIDGE, MD 21613-3041
Document Number	0014580362
Book / Page	1458 / 362
Map Reference	MB51 FO130
Instrument Date	Apr 19, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	EASTERN SHORE TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,955.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	415 PACIFIC AVE, CAMBRIDGE, MD 21613-3041
Investor	Possibly a Property Investor

Mortgage

Document Number	0001458368
Date	Apr 20, 2018
Instrument	1458/368

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 415 Pacific Ave was $4,903 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	$4,903.00 (+4.36%) Homeowner's exemption	$288,667	$308,600 Land $16,300 Building $292,300
2025	$4,698.00 Homeowner's exemption
2023	$4,174.00 Homeowner's exemption	$235,900	$278,700 Land $16,300 Building $262,400

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

Flood

FEMA maps place 415 Pacific 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 415 Pacific Ave 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	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.

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Pacific Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures