5909 Horns Point Rd, Cambridge, MD 21613 Property Records

Dorchester County property record for 5909 Horns Point Rd, Cambridge, MD 21613

Property Summary

Property Type	Rural Home
Details	2.5 ba · 3,562 sqft · built 1932
Lot Size	16.7 acres (727,452 sqft)
Owner	2 Individual Names on File
Last Sale	$127,435 (Nov 2023)
Tax Bill	$9,151 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-153384`

Property Details

APN / Parcel Number

Primary APN	`07-153384`
Alternative APNs	`7153384` `153384`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Units	2 Units
Stories	2 Stories
Building Area	3,562 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	727,452 sqft (16.7 acres)
View / Lot	Waterfront

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	720 sqft
Porch	Slab
Porch Area	112 sqft
Patio Area	280 sqft
Balcony Area	216 sqft
Shed	1 Shed
Shed Area	1,440 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	153384
Street Address	5909 HORNS POINT RD
City	CAMBRIDGE
State	MD
Zip	21613-3375
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RC
Legal Description	16.70 ACRES E/S HORNS POINT ROAD CAMBRIDGE
Legal Subdivision	DAVID W FERGUSON SR SUB
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	2
Census Block	2003
Census Tract	970702

Owner

Source: Dorchester County records · APN 07-153384

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 Record	2 Individual Names on File
Mailing Address	5909 HORNS POINT RD, CAMBRIDGE, MD 21613-3375
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 05, 2022	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Apr 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Dec 28, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 02, 2023 · Amount on Record
Deed Sale	Nov 02, 2023 · Amount on Record
Prior Sale	Nov 05, 1998 · Amount on Record
Deed Book / Page	1842 / 116
Prior Transfer Date	Aug 03, 2020
Prior Transfer Doc	0016170494
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	5909 HORNS POINT RD, CAMBRIDGE, MD 21613-3375
Transaction Type	Mortgage
Record Updated	Dec 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017830031
Date	Dec 05, 2022
Book Page	1783/31

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Oct 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	5909 HORNS POINT RD, CAMBRIDGE, MD 21613-3375
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	VENTURE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015710489
Date	Apr 15, 2020
Book Page	1571/489

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2050

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DORCHESTER MD
Recording Date	Dec 28, 2020
Property Address	5909 HORNS POINT RD, CAMBRIDGE, MD 21613-3375
Document Number	0016170494
Book / Page	001617 / 000494
Instrument Date	Aug 03, 2020
Transaction Type	Transfer
Record Updated	Mar 03, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	5909 HORNS POINT RD CAMBRIDGE MD 216133375, CAMBRIDGE, MD 21613-3375

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
County	Dorchester County
Unified School District	Dorchester 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$804,200 (-1.74%) Land $302,900 Building $501,300	$804,200 (-1.74%) Land $302,900 Building $501,300
2025	$9,151.00 (+14.07%) Homeowner's exemption	$818,400 (+12.91%) Land $302,900 Building $515,500	$818,400 (-) Land $302,900 Building $515,500
2023	$8,022.00 Homeowner's exemption	$724,800	$818,400 Land $302,900 Building $515,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 10, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 107 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	107 in force
Nearby Flood Claims	95 (1996–2024)
Claims Outside the SFHA	3 of 95
Most Recent Claim	May 2024 · tidal / storm surge
Claims by Event	Hurricane Sandy, Oct 2012 · 2 claims Hurricane Isabel, Sep 2003 · 55 claims

Wildfire

Wildfire Risk	Moderate above 56% of the US · above 90% of Maryland
Wildfire Likelihood	0.1% annual chance
Exposure	Direct 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Bay Country Communications Cable	1,000 / 1,000

Based on FCC filings for 11 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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