7 Choptank Ave, Cambridge, MD 21613 Property Records

Dorchester County property record for 7 Choptank Ave, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,690 sqft · built 1918
Lot Size	0.152 acres (6,625 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Nov 2022)
Tax Bill	$5,442 (2026)
Deeds & Mortgages	Jan 2022 Line of Credit Nov 2022 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`07-116713`

Property Details

APN / Parcel Number

Primary APN	`07-116713`
Alternative APNs	`7116713` `116713`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,101 sqft Total Area
Attic	Attic
Attic Area	800 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,625 sqft (0.152 acres)
Lot Dimensions	136 ft deep x 54 ft wide
View / Lot	Waterfront
Garage Type	Detached
Garage Area	180 sqft
Porch	Slab
Porch Area	378 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	116713
Street Address	7 CHOPTANK AVE
City	CAMBRIDGE
State	MD
Zip	21613-1622
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	LOT 6,625 SQ. FT. 7 CHOPTANK AVENUE CAMBRIDGE
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	3
Census Block	3004
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	7 CHOPTANK AVE, CAMBRIDGE, MD 21613-1622
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Nov 18, 2022	Warranty Deed, Transfer · Conventional Mortgage NFM INC
Mar 12, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jul 19, 2017	Grant Deed, Transfer · Conventional with PMI BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2022 · Amount on Record
Deed Sale	Nov 18, 2022 · Amount on Record
Prior Sale	Jul 19, 2017 · Amount on Record
Deed Book / Page	1780 / 229
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	7 CHOPTANK AVE, CAMBRIDGE, MD 21613-1622
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 CHOPTANK AVE, CAMBRIDGE, MD 21613-1622

Mortgage

Document Number	0017150432
Date	Jan 27, 2022
Book Page	1715/432

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DORCHESTER MD
Recording Date	Nov 18, 2022
Property Address	7 CHOPTANK AVE, CAMBRIDGE, MD 21613-1622
Document Number	0017800229
Book / Page	1780 / 229
Instrument Date	Nov 17, 2022
Transaction Type	Transfer
Record Updated	Sep 21, 2023
Title Company	CAMBRIDGE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,100.00
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	7 HCOPLANK AVENUE, CAMBRIDGE, MD 21613

Mortgage

Document Number	0001780235
Date	Nov 18, 2022
Instrument	1780-235

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	7 CHOPTANK AVE, CAMBRIDGE, MD 21613-1622
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015660426
Date	Mar 12, 2020
Book Page	1566/426

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DORCHESTER MD
Recording Date	Jul 19, 2017
Property Address	7 CHOPTANK AVE, CAMBRIDGE, MD 21613-1622
Document Number	0014120006
Book / Page	001412 / 000006
Instrument Date	Jul 17, 2017
Transaction Type	Transfer
Record Updated	Aug 14, 2017
Title Company	EASTERN MT TITLE COMPANY, EASTERN SHR TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
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	7 CHOPTANK AVE CAMBRIDGE MD 216131622, CAMBRIDGE, MD 21613-1622

Mortgage

Document Number	14120013
Date	Jul 19, 2017
Book Page	001412/000013

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2047

Interest

Rate Type	Adjustable Rate

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	$5,442.00 (+4.79%) Homeowner's exemption	$359,367 (+44.13%)	$392,100 (+14.31%) Land $66,300 Building $325,800
2025	$5,193.00 (+12.7%) Homeowner's exemption
2023	$4,608.00	$249,333	$343,000 Land $51,300 Building $291,700

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	4.0 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	Not rated no burnable land within 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 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

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