5318 River Dr, Cambridge, MD 21613 Property Records

Dorchester County property record for 5318 River Dr, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,474 sqft · built 1955
Lot Size	0.379 acres (16,501 sqft)
Owner	2 Individual Names on File
Last Sale	$100,000 (Jan 2021)
Tax Bill	$1,619 (2026)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-015248`

Property Details

APN / Parcel Number

Primary APN	`14-015248`
Alternative APN	`015248`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,474 sqft Total Area
Attic	Attic
Attic Area	250 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	16,501 sqft (0.379 acres)
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	015248
Street Address	5318 RIVER DR
City	CAMBRIDGE
State	MD
Zip	21613-3461
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	PARCEL A-16,501 SF S/S WOODS DR CAMBRIDGE
Jurisdiction	DORCHESTER MD
Township / Civil Division	14, LINKWOOD
Census Block Group	1
Census Block	1001
Census Tract	970702

Owner

5318 River Dr is owned and occupied by two individuals who bought it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	5318 RIVER DR, CAMBRIDGE, MD 21613-3461
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2021 · Amount on File
Deed Sale	Jan 13, 2021 · Amount on File
Deed Book / Page	1621 / 61
Prior Transfer Date	Jan 7, 2021
Prior Transfer Doc	0016210061
Record Updated	Oct 29, 2026

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DORCHESTER MD
Recording Date	Jan 15, 2021
Property Address	5318 RIVER DR, CAMBRIDGE, MD 21613-3461
Document Number	0016210061
Book / Page	001621 / 000061
Instrument Date	Jan 7, 2021
Transaction Type	Transfer
Record Updated	Mar 11, 2021
Title Company	REAL ESTATE TITLE AND ESCROW, REAL ESTATE TITLE & ESCROW

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$100.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5318 RIVER DR CAMBRIDGE MD 216133461, CAMBRIDGE, MD 21613-3461

Mortgage

Document Number	16210068
Date	Jan 15, 2021
Book Page	001621/000068

Lender

Name	PHILIP F & BEVERLY L ERA
Address	5722 CEDAR GROVE RD, EAST NEW MARKET, MD 21631-1620

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 14, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 5318 River Dr was $1,619 with a homeowner's exemption, up 4.9% from the year before.

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	$1,619.00 (+4.86%) Homeowner's exemption	$136,933 (+5.04%)	$143,500 (-) Land $42,200 Building $101,300
2025	$1,544.00 Homeowner's exemption	$130,367	$143,500 Land $42,200 Building $101,300
2023	$1,390.00 Homeowner's exemption	$119,633	$123,800 Land $42,200 Building $81,600

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

Flood

FEMA maps place 5318 River Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 5318 River Dr is moderate, ranking above 46% of the US, with a 0.1% 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	0.1% 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 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
Bay Country Communications Cable	100 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on River Dr

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