5324 Cedar Dr, Cambridge, MD 21613 Property Records

Dorchester County property record for 5324 Cedar Dr, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,557 sqft · built 1968
Lot Size	0.99 acres (43,124 sqft)
Owner	Individual Name on Record
Last Sale	$249,000 (Oct 2018)
Tax Bill	$3,249 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-001131`

Property Details

APN / Parcel Number

Primary APN	`14-001131`
Alternative APN	`001131`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,557 sqft Total Area

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	43,124 sqft (0.99 acres)
View / Lot	Waterfront

Exterior Amenities

Porch	Porch
Porch Area	72 sqft
Patio Area	72 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	001131
Street Address	5324 CEDAR DR
City	CAMBRIDGE
State	MD
Zip	21613-4404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT .99 AC S/S HURST CREEK
Legal Subdivision	HURST CREEK
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	Individual Name on Record
Mailing Address	5324 CEDAR DR, CAMBRIDGE, MD 21613-4404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED MUTUAL FUNDING CORP
Oct 4, 2018	Deed, Transfer · Conventional Mortgage UNITED MUTUAL FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2018 · Amount on Record
Deed Sale	Oct 4, 2018 · Amount on Record
Deed Book / Page	1487 / 277
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	5324 CEDAR DR, CAMBRIDGE, MD 21613-4404
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	ELITE SETTLEMENTS LLC, ELITE SETTLEMENT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5324 CEDAR DR, CAMBRIDGE, MD 21613-4404

Mortgage

Document Number	0016710284
Date	Aug 9, 2021
Book Page	1671/284

Lender

Name	UNITED MUTUAL FUNDING CORP
Type	Mortgage Company
Address	BRANDON, FL 33511

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Oct 4, 2018
Property Address	5324 CEDAR DR, CAMBRIDGE, MD 21613-4404
Document Number	0014870277
Book / Page	1487 / 277
Instrument Date	Sep 28, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	BRENNAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,887.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5324 CEDAR DR, CAMBRIDGE, MD 21613-4404

Mortgage

Document Number	0001487283
Date	Oct 4, 2018
Instrument	1487/283

Lender

Name	UNITED MUTUAL FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

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	$3,249.00 (+5.21%) Homeowner's exemption	$295,367 (+17.35%)	$317,200 (+26.02%) Land $173,200 Building $144,000
2025	$3,088.00 (+8.05%) Homeowner's exemption
2023	$2,858.00 Homeowner's exemption	$251,700 Land $148,500 Building $103,200	$251,700 Land $148,500 Building $103,200

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
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 71% 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.

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

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