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CondominiumResidential
$370,544
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $415,000 on Dec 19, 2024

38 RIVERSIDE WHARF

CAMBRIDGE, MD 21613
0
Baths
2024
Year BuiltThe year the home was originally built, according to county records.

Valuation

$371K
$344K low$397K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$415,000 · Dec 19, 2024
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$80,044
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$64,035
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.76%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$290,500
MOVEMENT MORTGAGE · recorded Dec 19, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,790 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$255,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$76,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$178,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$5,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$255,000

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Condominium
CountyDorchester
HeatingThe type of heating system in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Mace's Lane Middle SchoolD-
Middle · Grades 6–8 · 0.4 mi
E
Choptank Elementary SchoolF
Elementary · Grades PK–5 · 0.5 mi
H
Cambridge-South Dorchester High SchoolD-
High · Grades 9–12 · 1.2 mi

District: Dorchester County Public Schools

Neighborhood · ZIP 21613These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.113
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.27

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.86%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.8%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.20%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.18,293
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.91 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$57,063
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,781
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.45 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

38 Riverside Wharf measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 87% of homes in Cambridge
  • Among the newest homes in Cambridge 21613

What homes are worth in Cambridge 21613

Each bar is how many homes fall in that price range. The marker is this home.

This home
$39K$1.1M

This home is worth more than 75% of homes in Cambridge 21613.

How it measures up in Cambridge 21613

The dot is this home. The mark in the middle is the typical home in Cambridge 21613.

Estimated value$370,544
CheaperTypical $250,861Pricier

Pricier than 75% of homes nearby

Year built2024
OlderTypical 1966Newer

Newer than almost all homes nearby

How 38 Riverside Wharf ranks against every home in each area.
MeasureThis homeCambridgeCambridge 21613Dorchester County
Estimated valuepricier than$370,54487% of homes75% of homes74% of homes
Year builtnewer than202498% of homesalmost all homesalmost all homes

About 38 Riverside Wharf

How much is 38 Riverside Wharf, Cambridge, MD worth?

The TopHap Estimate for 38 Riverside Wharf, Cambridge, MD is $370,544 as of Jul 14, 2026. The likely range is $344,097 to $396,991. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 38 Riverside Wharf, Cambridge, MD last sell?

38 Riverside Wharf, Cambridge, MD last sold on Dec 19, 2024 for $415,000, according to the county's recorded deed.

When was 38 Riverside Wharf, Cambridge, MD built?

38 Riverside Wharf, Cambridge, MD was built in 2024, making it 2 years old.

What schools serve 38 Riverside Wharf, Cambridge, MD?

38 Riverside Wharf, Cambridge, MD is assigned to Mace's Lane Middle School (middle), rated D-; Choptank Elementary School (elementary), rated F; Cambridge-South Dorchester High School (high), rated D-. All sit in Dorchester County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 38 Riverside Wharf, Cambridge, MD compare to other homes in Cambridge 21613?

Among the 8,021 homes in Cambridge 21613, it is worth more than 75% of them ($370,544 against a typical $250,861) and it is newer than almost all of them (2024 against a typical 1966). Measured against all of Dorchester County, it is worth more than 74% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 38 Riverside Wharf, Cambridge, MD?

The 2025 property tax bill for 38 Riverside Wharf, Cambridge, MD was $4,790. The county assessed it at $255,000.

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Closest homes

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Assigned schools

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See this home in context

Open 38 Riverside Wharfon TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

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