437 Willis St, Cambridge, MD 21613 Property Records

Dorchester County property record for 437 Willis St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,032 sqft · built 1918
Lot Size	0.103 acres (4,480 sqft)
Owner	Individual Name on Record
Last Sale	$143,000 (Oct 2025)
Tax Bill	$1,772 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Nov 2018 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-165609`

Property Details

APN / Parcel Number

Primary APN	`07-165609`
Alternative APNs	`7165609` `165609`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,032 sqft Total Area

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Conventional
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	4,480 sqft (0.103 acres)
Porch	Slab
Porch Area	72 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	165609
Street Address	437 WILLIS ST
City	CAMBRIDGE
State	MD
Zip	21613-1725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 4,480 SQ. FT. 437 WILLIS STREET CAMBRIDGE
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	2
Census Block	2017
Census Tract	970500

Owner

Source: Dorchester County records, as of October 9, 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	437 WILLIS ST, CAMBRIDGE, MD 21613-1725
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Special Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 1, 2018	Deed of Trust, Mortgage · Line of Credit HEBRON SAVINGS BANK
Jan 31, 2020	Deed of Trust, Mortgage · Line of Credit HEBRON SAVINGS BANK
Aug 16, 2022	Intrafamily Transfer, Transfer
Apr 25, 2022	Deed, Transfer · Stand-Alone First Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2025 · Amount on Record
Deed Sale	Oct 7, 2025 · Amount on Record
Prior Sale	Apr 25, 2022 · Amount on Record
Deed Book / Page	1971 / 89
Prior Transfer Date	Aug 2, 2022
Prior Transfer Doc	0017610287
Record Updated	Oct 29, 2026

October 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DORCHESTER MD
Recording Date	Oct 7, 2025
Property Address	437 WILLIS ST, CAMBRIDGE, MD 21613-1725
Document Number	0019710089
Book / Page	1971 / 89
Instrument Date	Sep 15, 2025
Transaction Type	Transfer
Record Updated	Oct 28, 2025
Title Company	CAPITOL TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$357.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	437 WILLIS ST, CAMBRIDGE, MD 21613-1725

Mortgage

Document Number	0000197198
Date	Oct 7, 2025
Instrument	1971/98

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	437 WILLIS ST, CAMBRIDGE, MD 21613-1725
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014920001
Date	Nov 1, 2018
Book Page	1492/001

Lender

Name	HEBRON SAVINGS BANK
Type	Bank
Address	HEBRON, MD 21830

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Oct 24, 2038

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	437 WILLIS ST, CAMBRIDGE, MD 21613-1725
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015600280
Date	Jan 31, 2020
Book Page	1560/280

Lender

Name	HEBRON SAVINGS BANK
Type	Bank
Address	HEBRON, MD 21830

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DORCHESTER MD
Recording Date	Aug 16, 2022
Property Address	437 WILLIS ST, CAMBRIDGE, MD 21613-1725
Document Number	0017610287
Book / Page	1761 / 287
Instrument Date	Aug 2, 2022
Transaction Type	Transfer
Record Updated	Sep 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	31065 SKITON CORDOVA ROAD, CORDOVA, MD 21625-2915

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Apr 25, 2022
Property Address	437 WILLIS ST, CAMBRIDGE, MD 21613-1725
Document Number	0017370001
Book / Page	1737 / 1
Instrument Date	Apr 21, 2022
Transaction Type	Transfer
Record Updated	Sep 22, 2023

Transaction

Amount	Amount Recorded
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	Tenants in Severalty
Address	31065 SKIPTON CORDOVA RD, CORDOVA, MD 21625-2915

Mortgage

Document Number	0001737005
Date	Apr 25, 2022
Instrument	1737-005

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2042

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	$1,772.00 (+20.96%)	$94,867 (+21.62%)	$128,600 (+64.87%) Land $30,100 Building $98,500
2025	$1,465.00 (+20.28%)	$78,000 (+18.3%) Land $30,100 Building $47,900	$78,000 (-) Land $30,100 Building $47,900
2023	$1,218.00	$65,933	$78,000 Land $30,100 Building $47,900

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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