Frederick County property record for 8108 Cambridge Dr, Frederick, MD 21704
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,042 sqft · built 1969 |
| Lot Size | 0.62 acres (27,007 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $332,000 (Jul 2018) |
| Tax Bill | $4,647 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-534418 |
| Primary APN | 28-534418 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,042 sqft Living Area |
| Gross Area | 2,392 sqft |
| 1st Floor Area | 1,392 sqft |
| Basement Area | 650 sqft |
| Finished Basement | 650 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 27,007 sqft (0.62 acres) |
| Pool Area | 576 sqft |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 442 sqft |
| Deck Area | 312 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 534418 |
|---|---|
| Street Address | 8108 CAMBRIDGE DR |
| City | FREDERICK |
| State | MD |
| Zip | 21704-6692 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | L 26 BK B . 62 AC N/S CAMBRIDGE DR. TULIP HILL |
| Legal Subdivision | TULIP HILL DEV 03 |
| Legal Block | B |
| Legal Lot Number | 26 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 751003 |
Source: Frederick County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 8108 CAMBRIDGE DR, FREDERICK, MD 21704-6692 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 7, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Dec 17, 2019 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 24, 2018 | Grant Deed, Transfer EMBRACE HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 24, 2018 · Amount on Record |
| Deed Sale | Jul 24, 2018 · Amount on Record |
| Prior Sale | Jan 15, 2014 · Amount on Record |
| Deed Book / Page | 12529 / 451 |
| Prior Transfer Date | Nov 22, 2014 |
| Prior Transfer Doc | 0103250119 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 8108 CAMBRIDGE DR, FREDERICK, MD 21704-6692 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0139620233 |
|---|---|
| Date | Aug 7, 2020 |
| Book Page | 13962/233 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Sep 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 8108 CAMBRIDGE DR, FREDERICK, MD 21704-6692 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0134050052 |
|---|---|
| Date | Dec 17, 2019 |
| Book Page | 13405/0052 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 345 Months |
| Due | Sep 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 24, 2018 |
| Property Address | 8108 CAMBRIDGE DR, FREDERICK, MD 21704-6692 |
| Document Number | 0125290451 |
| Book / Page | 012529 / 000451 |
| Instrument Date | Jul 11, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2018 |
| Title Company | LAKESIDE TITLE COMPANY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $332.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 8108 CAMBRIDGE DR FREDERICK MD 217046692, FREDERICK, MD 21704-6692 |
| Document Number | 125290460 |
|---|---|
| Date | Jul 24, 2018 |
| Book Page | 012529/000460 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | FREDERICK, MD 21701 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 23, 2048 |
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $407,900 (+2.03%) | $424,100 (+6.08%) Land $122,100 Building $302,000 | |
| 2025 | $4,647.00 (+6%) Homeowner's exemption | $399,800 (+16.4%) Land $107,000 Building $292,800 | $399,800 (-) Land $107,000 Building $292,800 |
| 2024 | $4,384.00 (+8.49%) | ||
| 2023 | $4,041.00 Homeowner's exemption | $343,467 | $399,800 Land $107,000 Building $292,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 6, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF FREDERICK serves 54,000 people · EPA ID MD0100015 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2019–2021) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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