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5239 Ragged Point Rd, Cambridge, MD 21613 Property Records

Dorchester County property record for 5239 Ragged Point Rd, Cambridge, MD 21613 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details2.5 ba · 2,087 sqft · built 1990
Lot Size1.84 acres (80,150 sqft)
Owner2 Individual Names on File
Last Sale$345,500 (Aug 2019)
Tax Bill$4,944 (2025)
Deeds & MortgagesAug 2019 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN08-186626

Property Details

APN / Parcel Number

Primary APN08-186626
Alternative APNs
  • 8186626
  • 186626

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,087 sqft Total Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1990
Architectural StyleConventional
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area80,150 sqft (1.84 acres)
View / LotWaterfront
Garage TypeMixed
Garage Area576 sqft
Parking Spaces4 Parking Spaces
Deck Area568 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
SewerConnected

Location & Zoning

Account Number186626
Street Address5239 RAGGED POINT RD
CityCAMBRIDGE
StateMD
Zip21613-3518
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOTS 2 & 2A E & W/S RAGGED POINT RD.
Legal Lot Number2
JurisdictionDORCHESTER MD
Township / Civil Division8, NECK
Census Block Group3
Census Block3014
Census Tract970702

Owner

Source: Dorchester County records · APN 08-186626

Assessment roll updated August 5, 2025 · Last verified August 2026

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

Owner of Record2 Individual Names on File
Mailing Address16239 RED FOX LN, MILTON, DE 19968-3772
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 07, 2019 · Amount on Record
Deed SaleAug 07, 2019 · Amount on Record
Prior SaleSep 03, 2009 · Amount on Record
Deed Book / Page1533 / 80
Record UpdatedSep 20, 2026

August 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionDORCHESTER MD
Recording DateAug 07, 2019
Property Address5239 RAGGED POINT RD, CAMBRIDGE, MD 21613-3518
Document Number0015330080
Book / Page001533 / 000080
Instrument DateJun 22, 2019
Transaction TypeTransfer
Record UpdatedAug 26, 2019
Title CompanyREAL ESTATE TITLE AND ESCROW, REAL ESTATE TITLE & ESCROW

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$345.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address16239 RED FOX LN MILTON DE 199683772, MILTON, DE 19968-3772

Mortgage

Document Number15330084
DateAug 07, 2019
Book Page001533/000084
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 06, 2049

Tax Assessment & Valuation

Source: Dorchester County records · Assessment roll updated August 5, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateMaryland
CountyDorchester County
Unified School DistrictDorchester County Public Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$446,700 (+14.63%) Land $250,500 Building $196,200$446,700 (+14.63%) Land $250,500 Building $196,200
2025$4,944.00 (+12.54%)
2023$4,393.00$389,700 Land $250,500 Building $139,200$389,700 Land $250,500 Building $139,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Dorchester County (24019C), updated April 10, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240199707023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation4.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 320 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies320 in force
Nearby Flood Claims230 (1979–2025)
Claims Outside the SFHA6 of 230
Most Recent ClaimNov 2025, tidal / storm surge
Claims By Storm
  • Hurricane Irene, Aug 2011 · 3 claims
  • Hurricane Isabel, Sep 2003 · 163 claims

Wildfire

Wildfire RiskModerate
above 47% of the US · above 87% of Maryland
Wildfire LikelihoodAbout 1 in 1,961 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 4 locations within about half a mile of this property, a small sample

ProviderTechnologyDownload / Upload (Mbps)
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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