8 Shady Dr, Cambridge, MD 21613 Property Records

Dorchester County property record for 8 Shady Dr, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,762 sqft · built 1975
Lot Size	0.348 acres (15,176 sqft)
Owner	2 Individual Names on Record
Last Sale	$223,000 (Dec 2019)
Tax Bill	$2,394 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-178875`

Property Details

APN / Parcel Number

Primary APN	`07-178875`
Alternative APNs	`7178875` `178875`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,372 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,176 sqft (0.348 acres)
Garage Type	Attached
Garage Area	390 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	178875
Street Address	8 SHADY DR
City	CAMBRIDGE
State	MD
Zip	21613-1306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	LOT 36-15,176 SQ.FT. 8 SHADY DRIVE CAMBRIDGE
Legal Subdivision	LOVERS LANE SUBDIVISION
Legal Lot Number	36
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4022
Census Tract	970702

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	8 SHADY DR, CAMBRIDGE, MD 21613-1306
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Dec 13, 2019	Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2019 · Amount on Record
Deed Sale	Dec 13, 2019 · Amount on Record
Prior Sale	Jul 6, 2016 · Amount on Record
Deed Book / Page	1553 / 199
Prior Transfer Date	Jan 20, 2015
Prior Transfer Doc	0012500023
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	8 SHADY DR, CAMBRIDGE, MD 21613-1306
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016920454
Date	Oct 28, 2021
Book Page	1692/454

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Jan 1, 2050

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Dec 13, 2019
Property Address	8 SHADY DR, CAMBRIDGE, MD 21613-1306
Document Number	0015530199
Book / Page	1553 / 199
Map Reference	LB PLC 10 FO 34
Instrument Date	Dec 6, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	EASTERN SHORE 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	8 SHADY DR, CAMBRIDGE, MD 21613-1306

Mortgage

Document Number	0001553203
Date	Dec 13, 2019
Instrument	1553/203

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

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	$2,394.00 (-1.48%) Homeowner's exemption	$204,400 (+8.05%) Land $42,100 Building $162,300	$204,400 (-2.25%) Land $42,100 Building $162,300
2025	$2,430.00 (+12.87%) Homeowner's exemption
2023	$2,153.00 Homeowner's exemption	$189,167	$209,100 Land $42,100 Building $167,000

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 24 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	31 units insured incl. 7 condo units
Nearby Flood Claims	10 (1993–2024)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Hurricane Isabel, Sep 2003 · 4 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 64% of the US · above 74% 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.

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 243 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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