5932 Horns Point Rd, Cambridge, MD 21613 Property Records

Dorchester County property record for 5932 Horns Point Rd, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,776 sqft · built 2021
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$740,000 (May 2019)
Tax Bill	$12,386 (2025)
Deeds & Mortgages	May 2019 Sale & Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-158610`

Property Details

APN / Parcel Number

Primary APN	`07-158610`
Alternative APNs	`7158610` `158610`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,776 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
View / Lot	Waterfront
Garage Type	Detached
Garage Area	256 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	78 sqft
Patio Area	549 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	158610
Street Address	5932 HORNS POINT RD
City	CAMBRIDGE
State	MD
Zip	21613-3374
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	2 ACRES ON LECOMPTE BAY CAMBRIDGE
Legal Subdivision	LITTLE HORN S POINT
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	2
Census Block	2003
Census Tract	970702

Owner

Source: Dorchester County records, as of August 18, 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	5932 HORNS POINT RD, CAMBRIDGE, MD 21613-3374
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2019	Deed, Transfer · ARM WILMINGTON SAVINGS FUND SOCIETY FSB
Jan 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2019 · Amount on Record
Deed Sale	May 14, 2019 · Amount on Record
Prior Sale	Oct 31, 1997 · Amount on Record
Deed Book / Page	1519 / 164
Record Updated	Sep 20, 2026

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	May 14, 2019
Property Address	5932 HORNS POINT RD, CAMBRIDGE, MD 21613-3374
Document Number	0015190164
Book / Page	1519 / 164
Map Reference	PL 40 FO 14
Instrument Date	May 9, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	CAMBRIDGE TITLE COMPANY

Transaction

Amount	Amount Recorded
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	1414 S PENN SQ UNIT 9B, 9B, PHILADELPHIA, PA 19102-2546

Mortgage

Document Number	0001519171
Date	May 14, 2019
Instrument	1519/171

Lender

Name	WILMINGTON SAVINGS FUND SOCIETY FSB
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	5932 HORNS POINT RD, CAMBRIDGE, MD 21613-3374
Document Number	0014630291
Instrument Date	Jan 4, 2018
Transaction Type	Mortgage
Record Updated	Jun 1, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5932 HORNS POINT RD CAMBRIDGE MD 216133374, CAMBRIDGE, MD 21613-3374

Mortgage

Document Number	0014630291
Date	May 17, 2018
Book Page	001463/000291

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 16, 2033

Tax Assessment & Valuation

Source: Dorchester County assessment roll, as of August 5, 2025

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		$1,027,200 (+9.34%) Land $304,000 Building $723,200	$1,027,200 (-4.84%) Land $304,000 Building $723,200
2025	$12,386.00 (+17.89%)
2023	$10,506.00	$939,467	$1,079,400 Land $304,000 Building $775,400

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
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

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 63% of the US · above 75% of Maryland
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Bloosurf Fixed Wireless	25 / 3

May also be available: Bay Country Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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