9 Oak St, Cambridge, MD 21613 Property Records

Dorchester County property record for 9 Oak St, Cambridge, MD 21613

Property Summary

Property Type	Single Family Home
Details	1 ba · 936 sqft · built 1948
Lot Size	0.149 acres (6,483 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Aug 2026)
Tax Bill	$1,534 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-117884`

Property Details

APN / Parcel Number

Primary APN	`07-117884`
Alternative APNs	`7117884` `117884`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	936 sqft Total Area

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,483 sqft (0.149 acres)
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	117884
Street Address	9 OAK ST
City	CAMBRIDGE
State	MD
Zip	21613-1238
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	LOT 19-6,483 SQ.FT. OAK STREET CAMBRIDGE
Legal Lot Number	19
Jurisdiction	DORCHESTER MD
Township / Civil Division	7, CAMBRIDGE
Census Block Group	4
Census Block	4044
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	Individual Name on Record
Mailing Address	9 OAK ST, CAMBRIDGE, MD 21613-1238
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2026	Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Sep 3, 2020	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2026 · Amount on Record
Deed Sale	Aug 13, 2026 · Amount on Record
Prior Sale	Sep 3, 2020 · Amount on Record
Deed Book / Page	2033 / 161
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Aug 13, 2026
Property Address	9 OAK ST, CAMBRIDGE, MD 21613-1238
Document Number	2033000161
Book / Page	2033 / 161
Instrument Date	Aug 6, 2026
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	TITLE GUARANTY, TITLE RESOURCE GUARANTY COMPAN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$247,450.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 OAK ST, CAMBRIDGE, MD 21613-1238

Mortgage

Document Number	2033000166,
Date	Aug 13, 2026
Book Page	2033/166

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Sep 3, 2020
Property Address	9 OAK ST, CAMBRIDGE, MD 21613-1238
Document Number	0015930419
Book / Page	1593 / 419
Map Reference	LB 53 FO 90
Instrument Date	Aug 24, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	EASTERN SHORE TITLE COMPANY

Transaction

Amount	Amount Recorded
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	9 OAK ST, CAMBRIDGE, MD 21613-1238

Mortgage

Document Number	0001593424
Date	Sep 3, 2020
Instrument	1593/424

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 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	$1,534.00 (+5.36%) Homeowner's exemption	$178,733 (+1.38%)	$183,600 (+4.14%) Land $36,200 Building $147,400
2025	$1,456.00 (+13.66%) Homeowner's exemption	$176,300 (+37.55%) Land $36,200 Building $140,100	$176,300 (-) Land $36,200 Building $140,100
2023	$1,281.00 Homeowner's exemption	$128,167	$176,300 Land $36,200 Building $140,100

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 65% of the US · above 71% of Maryland
Wildfire Likelihood	0.05% 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 269 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 (outdoors only) and 4G LTE

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