821 Locust St, Cambridge, MD 21613 Property Records

Dorchester County property record for 821 Locust St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,699 sqft · built 1900
Lot Size	0.129 acres (5,640 sqft)
Owner	Company Name on File
Last Sale	$85,000 (Dec 2020)
Tax Bill	$2,641 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-134975`

Property Details

APN / Parcel Number

Primary APN	`07-134975`
Alternative APNs	`7134975` `134975`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,699 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	5,640 sqft (0.129 acres)
Porch	Slab
Porch Area	204 sqft

Utilities, Heating & Cooling

Heating System	Space Heater
Sewer	Connected

Location & Zoning

Account Number	134975
Street Address	821 LOCUST ST
City	CAMBRIDGE
State	MD
Zip	21613-1782
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 5,640 SQ. FT. 821 LOCUST STREET CAMBRIDGE
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4024
Census Tract	970400

Owner

821 Locust St is owned by a company that bought it in December 2020.

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

Owner of Record	Company Name on File
Mailing Address	200 MARYLAND AVE, B, CAMBRIDGE, MD 21613-1923
Owner Type	Company
Vesting	Company

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

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage MILLS LARRY L TRUST (RT)
Dec 28, 2020	Deed, Transfer · Commercial Mortgage THE LARRY L MILLS REVOCABLE TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2020 · Amount on File
Deed Sale	Dec 28, 2020 · Amount on File
Prior Sale	Jul 24, 2012 · Amount on File
Deed Book / Page	1617 / 401
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Property Address	821 LOCUST ST, CAMBRIDGE, MD 21613-1782
Document Number	0016170408
Instrument Date	Dec 15, 2020
Transaction Type	Mortgage
Record Updated	Feb 23, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4410 MAPLE DAM RD CAMBRIDGE MD 216133728, CAMBRIDGE, MD 21613-3728

Mortgage

Document Number	0016170408
Date	Dec 28, 2020
Book Page	001617/000408

Lender

Name	MILLS LARRY L TRUST (RT)
Address	205 HIGH ST, CAMBRIDGE, MD 21613-1816

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Dec 28, 2020
Property Address	821 LOCUST ST, CAMBRIDGE, MD 21613-1782
Document Number	0016170401
Book / Page	1617 / 401
Instrument Date	Dec 15, 2020
Transaction Type	Transfer
Record Updated	Aug 12, 2021

Transaction

Amount	Amount on Record
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
Address	200 MARYLAND AVE APT B, B, CAMBRIDGE, MD 21613-1923

Mortgage

Document Number	0016170406
Date	Dec 28, 2020
Book Page	1617/406

Lender

Name	THE LARRY L MILLS REVOCABLE TRUST
Type	Non-Lending Institution
Address	CAMBRIDGE, MD 21613

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 821 Locust St was $2,641, up 1.2% 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	$2,641.00 (+1.19%)	$141,367	$146,100 Land $30,200 Building $115,900
2025	$2,610.00
2023	$2,229.00	$120,600	$139,000 Land $30,200 Building $108,800

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

Flood

FEMA maps place 821 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 821 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

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