430 Leonards Ln, Cambridge, MD 21613 Property Records

Dorchester County property record for 430 Leonards Ln, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	1 ba · 756 sqft · built 1958
Lot Size	0.146 acres (6,342 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Sep 2026)
Tax Bill	$1,942 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-130678`

Property Details

APN / Parcel Number

Primary APN	`07-130678`
Alternative APNs	`7130678` `130678`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	756 sqft Total Area
Attic	Attic
Attic Area	200 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,342 sqft (0.146 acres)
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	130678
Street Address	430 LEONARDS LN
City	CAMBRIDGE
State	MD
Zip	21613-1419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L 20-6,342 SQ. FT. 430 LEONARDS LANE CAMB
Legal Subdivision	OAKLEY STREET HOMES
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	2
Census Block	2016
Census Tract	970500

Owner

Source: Dorchester County records, as of October 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	430 LEONARDS LN, CAMBRIDGE, MD 21613-1419
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Deed, Transfer · FHA Mortgage NFM LENDING
Oct 8, 2026	Deed of Trust, Mortgage · FHA Mortgage NFM LENDING
Oct 21, 2022	Deed of Trust, Mortgage · Commercial Mortgage THE QUEENSTOWN BANK OF MARYLAND
Mar 15, 2022	Deed, Transfer
Dec 30, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2026 · Amount on Record
Deed Sale	Sep 4, 2026 · Amount on Record
Prior Sale	Dec 30, 2021 · Amount on Record
Deed Book / Page	2039 / 74
Transfer Doc	0000000628
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Sep 4, 2026
Property Address	430 LEONARDS LN, CAMBRIDGE, MD 21613-1419
Document Number	2039000074
Book / Page	2039 / 74
Instrument Date	Aug 28, 2026
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	VENTURE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$146,450.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	430 LEONARDS LN, CAMBRIDGE, MD 21613-1419

Mortgage

Document Number	2039000082,
Date	Sep 4, 2026
Book Page	2039/82

Lender

Name	NFM LENDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	2039000296,
Date	Sep 9, 2026
Book Page	2039/296

Lender

Name	DEPARTMENT OF HOUSING AND COM

Agreement

Amount	Amount Recorded

Interest

Max Rate	-1%

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Recording Date	Oct 8, 2026
Property Address	430 LEONARDS LN, CAMBRIDGE, MD 21613-1419
Document Number	2046000097
Book / Page	2046 / 97
Instrument Date	Aug 28, 2026
Transaction Type	Mortgage
Record Updated	Oct 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	726 MARQUIS AVE, SALISBURY, MD 21801-2179

Mortgage

Document Number	2046000097,
Date	Oct 8, 2026
Book Page	2046/97

Lender

Name	NFM LENDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	430 LEONARDS LN, CAMBRIDGE, MD 21613-1419
Transaction Type	Mortgage
Record Updated	Nov 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017740327
Date	Oct 21, 2022
Book Page	1774/327

Lender

Name	THE QUEENSTOWN BANK OF MARYLAND
Type	Bank
Address	QUEENSTOWN, MD 21658

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Mar 15, 2022
Property Address	430 LEONARDS LN, CAMBRIDGE, MD 21613-1419
Document Number	0017260186
Book / Page	1726 / 186
Map Reference	LB JFD1 FO 193
Instrument Date	Mar 15, 2022
Transaction Type	Transfer
Record Updated	Mar 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3985 MAPLE DAM RD, CAMBRIDGE, MD 21613-3787

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Dec 30, 2021
Property Address	430 LEONARDS LN, CAMBRIDGE, MD 21613-1419
Document Number	0017090320
Book / Page	1709 / 320
Map Reference	LB JED 1 FO 1493
Instrument Date	Dec 29, 2021
Transaction Type	Transfer
Record Updated	Jan 28, 2022

Transaction

Amount	Amount Recorded
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
Address	3985 MAPLE DAM RD, CAMBRIDGE, MD 21613-3787

Tax Assessment & Valuation

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	$1,942.00 (+22.22%)	$103,967 (+22.89%)	$142,700 (+68.68%) Land $30,300 Building $112,400
2025	$1,589.00 (+14.07%)	$84,600 (+12.2%) Land $30,300 Building $54,300	$84,600 (-) Land $30,300 Building $54,300
2023	$1,393.00	$75,400	$84,600 Land $30,300 Building $54,300

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 68% of Maryland
Wildfire Likelihood	0.02% 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 414 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.

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