421 Race St, Cambridge, MD 21613 Property Records

Dorchester County property record for 421 Race St, Cambridge, MD 21613

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	7,076 sqft · built 1920
Lot Size	0.159 acres (6,933 sqft)
Owner	Company Name on File
Last Sale	$175,000 (Aug 2018)
Tax Bill	$9,535 (2026)
Deeds & Mortgages	Feb 2021 Line of Credit Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-165005`

Property Details

APN / Parcel Number

Primary APN	`07-165005`
Alternative APNs	`7165005` `165005`

Interior

Stories	2 Stories
Building Area	7,076 sqft Total Area
1st Floor Area	7,076 sqft
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Block
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	6,933 sqft (0.159 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	165005
Street Address	421 RACE ST
City	CAMBRIDGE
State	MD
Zip	21613-1835
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	C-2
Legal Description	LOT 6,933 SQ.FT. 421 RACE STREET CAMBRIDGE
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	1
Census Block	1001
Census Tract	970500

Owner

421 Race St, a commercial property, is owned by a company that bought it in August 2018.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 728, SAINT MICHAELS, MD 21663-0728
Owner Type	Company
Vesting	Company

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
Feb 9, 2021	Deed of Trust, Mortgage · Line of Credit THE BANK OF DELMARVA
Feb 9, 2021	Deed of Trust, Mortgage THE BANK OF DELMARVA
Sep 2, 2022	Deed of Trust, Mortgage THE BANK OF DELMARVA
Aug 10, 2018	Grant Deed, Transfer CAMBRIDGE TITLE INC
Nov 13, 2017	Deed, Transfer · Commercial Mortgage PROVIDENT STATE BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2018 · Amount on File
Deed Sale	Aug 10, 2018 · Amount on File
Prior Sale	Nov 13, 2017 · Amount on File
Deed Book / Page	1477 / 36
Prior Transfer Date	Aug 6, 2014
Prior Transfer Doc	0012190293
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	421 RACE ST, CAMBRIDGE, MD 21613-1835
Transaction Type	Mortgage
Record Updated	Sep 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016260150
Date	Feb 9, 2021
Book Page	1626/150

Lender

Name	THE BANK OF DELMARVA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	421 RACE ST, CAMBRIDGE, MD 21613-1835
Transaction Type	Mortgage
Record Updated	Sep 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016260183
Date	Feb 9, 2021
Book Page	1626/183

Lender

Name	THE BANK OF DELMARVA
Type	Bank

Agreement

Amount	Amount on Record

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	421 RACE ST, CAMBRIDGE, MD 21613-1835
Transaction Type	Mortgage
Record Updated	Sep 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017650282
Date	Sep 2, 2022
Book Page	1765/282

Lender

Name	THE BANK OF DELMARVA
Type	Bank

Agreement

Amount	Amount on Record

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DORCHESTER MD
Recording Date	Aug 10, 2018
Property Address	421 RACE ST, CAMBRIDGE, MD 21613-1835
Document Number	0014770036
Book / Page	001477 / 000036
Instrument Date	Aug 8, 2018
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	CAMBRIDGE TITLE INC

Transaction

Amount	Amount on Record
Tax	$175.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 728 ST MICHAELS MD 216630728, ST MICHAELS, MD 21663-0728

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Nov 13, 2017
Property Address	421 RACE ST, CAMBRIDGE, MD 21613-1835
Document Number	0014320317
Book / Page	1432 / 317
Instrument Date	Oct 30, 2017
Instrument	1432-317
Transaction Type	Transfer
Record Updated	Aug 11, 2022

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 N DIVISION ST APT 301, 301, SALISBURY, MD 21801-5039

Mortgage

Document Number	0014320324
Date	Nov 13, 2017
Book Page	1432/324
Instrument	1432-324

Lender

Name	PROVIDENT STATE BANK INC
Type	Bank
Address	SALISBURY, MD 21801

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 421 Race St was $9,535, down 4.5% 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	$9,535.00 (-4.47%)	$510,300 Land $34,600 Building $475,700	$510,300 Land $34,600 Building $475,700
2025	$9,981.00
2023	$9,704.00	$525,067	$531,400 Land $34,600 Building $496,800

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

Flood

FEMA maps place 421 Race St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 10, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 421 Race 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	None beyond ember reach

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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