815 Locust St, Cambridge, MD 21613 Property Records

Dorchester County property record for 815 Locust St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,752 sqft · built 1918
Lot Size	0.178 acres (7,775 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Oct 2023)
Tax Bill	$2,496 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage May 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-161484`

Property Details

APN / Parcel Number

Primary APN	`07-161484`
Alternative APNs	`7161484` `161484`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,752 sqft Total Area

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Conventional
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	7,775 sqft (0.178 acres)
Porch	Slab
Porch Area	70 sqft

Utilities, Heating & Cooling

Heating System	Space Heater
Sewer	Connected

Location & Zoning

Account Number	161484
Street Address	815 LOCUST ST
City	CAMBRIDGE
State	MD
Zip	21613-1780
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	7775 SQFT PARCEL A 815 LOCUST ST CAMBRIDGE
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4024
Census Tract	970400

Owner

815 Locust St is owned by an individual who bought it in October 2023.

Source: Dorchester County records, as of October 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	815 LOCUST ST, 1, CAMBRIDGE, MD 21613-1780
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2023	Deed, Transfer · Unknown FULTON BANK NA
May 1, 2023	Deed, Transfer SAGE TITLE GROUP LLC
Oct 21, 2021	Deed, Transfer
Dec 9, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2023 · Amount on File
Deed Sale	Oct 18, 2023 · Amount on File
Prior Sale	May 1, 2023 · Amount on File
Deed Book / Page	1839 / 51
Transfer Doc	0000000303
Record Updated	Oct 29, 2026

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Oct 18, 2023
Property Address	815 LOCUST ST, CAMBRIDGE, MD 21613-1780
Document Number	0018390051
Book / Page	1839 / 51
Map Reference	CAB MLB 50 FO 134
Instrument Date	Oct 3, 2023
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	COUNSEL TITLE LLC, COUNSELORS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
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 in Severalty
Address	258 W MARKET ST, YORK, PA 17401-1008
Investor	Possibly a Property Investor

Mortgage

Document Number	0001839059
Date	Oct 18, 2023
Instrument	1839-059

Lender

Name	FULTON BANK NA
Type	Bank

Agreement

Type	Unknown
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	May 1, 2023
Property Address	815 LOCUST ST, CAMBRIDGE, MD 21613-1780
Document Number	0018080117
Book / Page	1808 / 117
Map Reference	CAB MLB 50 FO 134
Instrument Date	Apr 24, 2023
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Tax	$500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 WILLIAMSPORT CIR, SALISBURY, MD 21804-6472

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1304 S DIVISION ST STE 2, 2, SALISBURY, MD 21804-6999
Investor	Possibly a Property Investor

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Oct 21, 2021
Property Address	815 LOCUST ST, CAMBRIDGE, MD 21613-1780
Document Number	0016890373
Book / Page	1689 / 373
Instrument Date	Jun 22, 2021
Transaction Type	Transfer
Record Updated	Nov 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1925 FAIRFAX RD, ANNAPOLIS, MD 21401-4302

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Dec 9, 2021
Property Address	815 LOCUST ST, CAMBRIDGE, MD 21613-1780
Document Number	0017030019
Book / Page	1703 / 19
Map Reference	CAB MLB50 FO 134
Instrument Date	Jun 22, 2021
Transaction Type	Transfer
Record Updated	Jan 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	17 ROLLING GREENS CT, LUTHERVILLE TIMONIUM, MD 21093-3908

Tax Assessment & Valuation

The 2026 property tax bill for 815 Locust St was $2,496, up 2.1% from the year before.

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	$2,496.00 (+2.09%)	$133,600	$140,400 Land $30,400 Building $110,000
2025	$2,445.00
2023	$2,331.00	$126,133	$130,200 Land $30,400 Building $99,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 815 Locust St in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1979.

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 File median of 36 individual policies
Nearby Flood Policies	60 units insured incl. 24 condo units
Nearby Flood Claims	25 (1979–2025)
Claims Outside the SFHA	4 of 25
Most Recent Claim	Jul 2025
Claims by Event	Hurricane Isabel, Sep 2003 · 18 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

Wildfire risk around 815 Locust St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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

Nearby Properties on Locust St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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