5314 Spring Dr, Cambridge, MD 21613 Property Records

Dorchester County property record for 5314 Spring Dr, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,152 sqft · built 1999
Lot Size	0.61 acres (26,572 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,135 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Jul 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-007792`

Property Details

APN / Parcel Number

Primary APN	`14-007792`
Alternative APN	`007792`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,152 sqft Total Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	26,572 sqft (0.61 acres)
Deck Area	144 sqft
Shed	1 Shed
Shed Area	576 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	007792
Street Address	5314 SPRING DR
City	CAMBRIDGE
State	MD
Zip	21613-3459
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	LOT 25-26 W/S SPRING DRIVE
Legal Subdivision	SUBURBAN HOMES SEC
Legal Lot Number	25,26
Jurisdiction	DORCHESTER MD
Township / Civil Division	14, LINKWOOD
Census Block Group	1
Census Block	1001
Census Tract	970702

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	5314 SPRING DR, CAMBRIDGE, MD 21613-3459
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Jul 21, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 30, 2017	Loan Modification, Mortgage MIDFIRST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	5314 SPRING DR, CAMBRIDGE, MD 21613-3459
Transaction Type	Mortgage
Record Updated	Oct 27, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5314 SPRING DR, CAMBRIDGE, MD 21613-3459

Mortgage

Document Number	0019700319
Date	Oct 3, 2025
Book Page	1970/319

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	266 Months
Due	Dec 1, 2047

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	5314 SPRING DR, CAMBRIDGE, MD 21613-3459
Transaction Type	Mortgage
Record Updated	Aug 9, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5314 SPRING DR, CAMBRIDGE, MD 21613-3459

Mortgage

Document Number	0018220392
Date	Jul 21, 2023
Book Page	1822/392

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	293 Months
Due	Dec 1, 2047

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DORCHESTER MD
Property Address	5314 SPRING DR, CAMBRIDGE, MD 21613-3459
Document Number	0014430212
Book / Page	001443 / 000212
Instrument Date	Nov 30, 2017
Transaction Type	Mortgage
Record Updated	Jan 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5314 SPRING DR CAMBRIDGE MD 216133459, CAMBRIDGE, MD 21613-3459

Mortgage

Document Number	0014430212
Date	Jan 18, 2018
Book Page	001443/000212

Lender

Name	MIDFIRST BK
Type	Federal Savings Bank
Address	OKLAHOMA, OK 73118

Agreement

Amount	Amount Recorded

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	$2,135.00 (+5.64%)	$181,767 (+16.94%)	$191,800 (+18.61%) Land $43,200 Building $148,600
2025	$2,021.00 (+13.03%)
2023	$1,788.00	$155,433	$161,700 Land $43,200 Building $118,500

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2003–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2010 · rainfall accumulation

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	Moderate above 42% of the US · above 82% of Maryland
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	1,200 / 35

May also be available: Bay Country Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spring Dr

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