5437 Whitehall Rd, Cambridge, MD 21613 Property Records

Dorchester County property record for 5437 Whitehall Rd, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,963 sqft · built 1989
Lot Size	0.8 acres (34,848 sqft)
Owner	2 Individual Names on File
Last Sale	$304,000 (Feb 2020)
Tax Bill	$3,805 (2026)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-000887`

Property Details

APN / Parcel Number

Primary APN	`14-000887`
Alternative APN	`000887`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,963 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	34,848 sqft (0.8 acres)
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	000887
Street Address	5437 WHITEHALL RD
City	CAMBRIDGE
State	MD
Zip	21613-3441
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOTS 6 & 7 WHITEHALL PLAT 2 & 3
Legal Subdivision	WHITE HALL SUBDIVISION PLAT NO 2
Legal Lot Number	6,7
Jurisdiction	DORCHESTER MD
Township / Civil Division	14, LINKWOOD
Census Block Group	4
Census Block	4012
Census Tract	970300

Owner

5437 Whitehall Rd is owned and occupied by two individuals who bought it in February 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	5437 WHITEHALL RD, CAMBRIDGE, MD 21613-3441
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

Date	Document
Aug 22, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 4, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 18, 2020	Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2020 · Amount on File
Deed Sale	Feb 18, 2020 · Amount on File
Prior Sale	May 1, 2012 · Amount on File
Deed Book / Page	1562 / 436
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	5437 WHITEHALL RD, CAMBRIDGE, MD 21613-3441
Transaction Type	Mortgage
Record Updated	Sep 6, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5437 WHITEHALL RD, CAMBRIDGE, MD 21613-3441

Mortgage

Document Number	0018290105
Date	Aug 22, 2023
Book Page	1829/105

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	319 Months
Due	Mar 1, 2050

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	5437 WHITEHALL RD, CAMBRIDGE, MD 21613-3441
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5437 WHITEHALL RD, CAMBRIDGE, MD 21613-3441

Mortgage

Document Number	0017590009
Date	Aug 4, 2022
Book Page	1759/9

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	331 Months
Due	Mar 1, 2050

February 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Feb 18, 2020
Property Address	5437 WHITEHALL RD, CAMBRIDGE, MD 21613-3441
Document Number	0015620436
Book / Page	1562 / 436
Map Reference	LB PLC9 FO 1
Instrument Date	Feb 14, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	CAMBRIDGE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5437 WHITEHALL RD, CAMBRIDGE, MD 21613-3441

Mortgage

Document Number	0001562444
Date	Feb 18, 2020
Instrument	1562/444

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 5437 Whitehall Rd was $3,805, up 4.5% 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	$3,805.00 (+4.5%)	$328,000	$342,400 Land $59,000 Building $283,400
2025	$3,641.00
2023	$3,175.00	$280,167	$299,200 Land $59,000 Building $240,200

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

Flood

FEMA maps place 5437 Whitehall Rd 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
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Oct 2021 · tidal / storm surge

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 5437 Whitehall Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 73% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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