4938 Gregory Rd, Cambridge, MD 21613 Property Records

Dorchester County property record for 4938 Gregory Rd, Cambridge, MD 21613

Property Summary

Property Type	Rural Home
Details	3 ba · 3,780 sqft · built 2017
Lot Size	10.3 acres (449,104 sqft)
Owner	2 Individual Names on Record
Last Sale	$123,000 (Sep 2015)
Tax Bill	$8,421 (2026)
Deeds & Mortgages	Jan 2023 Line of Credit Sep 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`09-201610`

Property Details

APN / Parcel Number

Primary APN	`09-201610`
Alternative APNs	`9201610` `201610`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	3,780 sqft Total Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	449,104 sqft (10.3 acres)
View / Lot	Waterfront

Exterior Amenities

Porch	Slab
Porch Area	397 sqft
Shed	1 Shed
Shed Area	2,220 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	201610
Street Address	4938 GREGORY RD
City	CAMBRIDGE
State	MD
Zip	21613-3685
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RC
Legal Description	LOT 2-10.31 ACRES NW/S GREGORY ROAD NW/S GREGORY RD
Legal Subdivision	COLSTONS COVE
Legal Lot Number	2
Jurisdiction	DORCHESTER MD
Township / Civil Division	9, CHURCH CREEK
Census Block Group	2
Census Block	2011
Census Tract	970804

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	4938 GREGORY RD, CAMBRIDGE, MD 21613-3685
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2023	Deed of Trust, Mortgage · Line of Credit HEBRON SAVINGS BANK
Sep 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2015 · Amount on Record
Deed Sale	Sep 2, 2015 · Amount on Record
Deed Book / Page	1285 / 332
Prior Transfer Date	Aug 28, 2015
Prior Transfer Doc	0012850332
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	4938 GREGORY RD, CAMBRIDGE, MD 21613-3685
Transaction Type	Mortgage
Record Updated	Jan 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4938 GREGORY RD, CAMBRIDGE, MD 21613-3685

Mortgage

Document Number	0017890195
Date	Jan 11, 2023
Book Page	1789/195

Lender

Name	HEBRON SAVINGS BANK
Type	Bank
Address	HEBRON, MD 21830

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 4, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	4938 GREGORY RD, CAMBRIDGE, MD 21613-3685
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015390041
Date	Sep 17, 2019
Book Page	1539/041

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

Source: Dorchester County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Dorchester County
Unified School District	Dorchester County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,421.00 (+8.85%)	$732,200 (+8.92%) Land $104,500 Building $627,700	$732,200 (-) Land $104,500 Building $627,700
2025	$7,736.00 (+24.75%)	$672,233 (+21.72%)	$732,200 (+32.57%) Land $104,500 Building $627,700
2023	$6,201.00	$552,300 Land $104,500 Building $447,800	$552,300 Land $104,500 Building $447,800

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	4.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 196 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	196 in force
Nearby Flood Claims	178 (1978–2026)
Claims Outside the SFHA	2 of 178
Most Recent Claim	Apr 2026 · other causes
Claims by Event	Tropical Storm Isaias, Aug 2020 · 3 claims Hurricane Sandy, Oct 2012 · 2 claims Hurricane Isabel, Sep 2003 · 112 claims

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 64% of the US · above 74% of Maryland
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Bloosurf Fixed Wireless	25 / 3
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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