Dorchester County property record for 5232 Ragged Point Rd, Cambridge, MD 21613
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,496 sqft · built 1988 |
| Lot Size | 4.1 acres (178,596 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $498,000 (Mar 2021) |
| Tax Bill | $60 (2026) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 08-186499 |
| Primary APN | 08-186499 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,496 sqft Total Area |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 178,596 sqft (4.1 acres) |
| View / Lot | Waterfront |
| Deck Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 186499 |
|---|---|
| Street Address | 5232 RAGGED POINT RD |
| City | CAMBRIDGE |
| State | MD |
| Zip | 21613-3517 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | 4.1 ACRES W/S RAGGED POINT ROAD E/S CHESAPEAKE BAY |
| Legal Subdivision | JAMES P KRAFT LANDS |
| Jurisdiction | DORCHESTER MD |
| Township / Civil Division | 8, NECK |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 970702 |
5232 Ragged Point Rd is owned and occupied by two individuals who bought it in March 2021.
Source: Dorchester County records, as of October 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5232 RAGGED POINT RD, CAMBRIDGE, MD 21613-3517 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2021 · Amount on File |
| Deed Sale | Mar 4, 2021 · Amount on File |
| Prior Sale | Jul 5, 1996 · Amount on File |
| Deed Book / Page | 1631 / 352 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Recording Date | Mar 4, 2021 |
| Property Address | 5232 RAGGED POINT RD, CAMBRIDGE, MD 21613-3517 |
| Document Number | 0016310352 |
| Book / Page | 1631 / 352 |
| Instrument Date | Jan 22, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5232 RAGGED POINT RD, CAMBRIDGE, MD 21613-3517 |
| Document Number | 0001631361 |
|---|---|
| Date | Mar 4, 2021 |
| Instrument | 1631/361 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 1, 2051 |
The 2026 property tax bill for 5232 Ragged Point Rd was $60.
Source: Dorchester County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Dorchester County |
| Unified School District | Dorchester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $60.00 | $555,700 Land $304,600 Building $251,100 | $555,700 Land $304,600 Building $251,100 |
| 2025 | $60.00 | ||
| 2023 | $5,032.00 | $447,200 Land $254,600 Building $192,600 | $447,200 Land $254,600 Building $192,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5232 Ragged Point Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File median of 320 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 320 in force |
| Nearby Flood Claims | 230 (1979–2025) |
| Claims Outside the SFHA | 6 of 230 |
| Most Recent Claim | Nov 2025 · tidal / storm surge |
| Claims by Event |
|
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 risk around 5232 Ragged Point Rd is moderate, ranking above 46% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 86% of Maryland |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 25 / 3 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures