610 Water St, Cambridge, MD 21613 Property Records

Dorchester County property record for 610 Water St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,673 sqft · built 1957
Lot Size	0.264 acres (11,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$480,000 (Jan 2024)
Tax Bill	$5,960 (2026)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`07-116578`

Property Details

APN / Parcel Number

Primary APN	`07-116578`
Alternative APNs	`7116578` `116578`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,673 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,492 sqft (0.264 acres)
Porch	Slab
Porch Area	416 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	116578
Street Address	610 WATER ST
City	CAMBRIDGE
State	MD
Zip	21613-1655
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	IMPS LOT - 11,492 SQ 610 WATER STREET CAMBRIDGE
Legal Subdivision	SURVEY OF THE LAND OF JOHN H SCHMIDT
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	3
Census Block	3006
Census Tract	970400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Cambridge Historic District, Wards I and III listed 1990 · 675 contributing resources · NRIS 90001370

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	2 Individual Names on Record
Mailing Address	610 WATER ST, CAMBRIDGE, MD 21613-1655
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2024	Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Dec 7, 2018	Grant Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2024 · Amount on Record
Deed Sale	Jan 29, 2024 · Amount on Record
Prior Sale	Dec 7, 2018 · Amount on Record
Deed Book / Page	1856 / 35
Record Updated	Oct 29, 2026

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Jan 29, 2024
Property Address	610 WATER ST, CAMBRIDGE, MD 21613-1655
Document Number	0018560035
Book / Page	1856 / 35
Map Reference	LB 68 PL 60
Instrument Date	Jan 10, 2024
Transaction Type	Transfer
Record Updated	Mar 19, 2024
Title Company	NOT AVAILABLE, VENTURE TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	610 WATER ST, CAMBRIDGE, MD 21613-1655

Mortgage

Document Number	0001856041
Date	Jan 29, 2024
Instrument	1856-041

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	610 WATER ST, CAMBRIDGE, MD 21613-1655
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016930296
Date	Nov 1, 2021
Book Page	1693/296

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	610 WATER ST, CAMBRIDGE, MD 21613-1655
Document Number	0015840144
Instrument Date	Jun 1, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 WATER ST CAMBRIDGE MD 216131655, CAMBRIDGE, MD 21613-1655

Mortgage

Document Number	0015840144
Date	Jul 10, 2020
Book Page	001584/000144

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 9, 2035

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DORCHESTER MD
Recording Date	Dec 7, 2018
Property Address	610 WATER ST, CAMBRIDGE, MD 21613-1655
Document Number	0014960462
Book / Page	001496 / 000462
Instrument Date	Sep 26, 2018
Transaction Type	Transfer
Record Updated	Dec 19, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1412 HAMILTON BLVD HAGERSTOWN MD 217423322, HAGERSTOWN, MD 21742-3322

Mortgage

Document Number	14960469
Date	Dec 7, 2018
Book Page	001496/000469

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 6, 2033

Tax Assessment & Valuation

Source: Dorchester County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Dorchester County
Municipality	Cambridge City
Unified School District	Dorchester County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,960.00 (+4.52%) Homeowner's exemption	$328,333 (+22.59%)	$365,600 (+18.05%) Land $90,300 Building $275,300
2025	$5,702.00 (+21.11%) Homeowner's exemption
2023	$4,708.00 Homeowner's exemption	$267,833	$309,700 Land $78,800 Building $230,900

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 28 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	78 units insured incl. 50 condo units
Nearby Flood Claims	27 (1985–2024)
Claims Outside the SFHA	7 of 27
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 13 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 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	0.01% 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 687 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Bay Country Communications, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Water St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures