100 3rd St, Oxford, MD 21654 Property Records

Talbot County property record for 100 3rd St, Oxford, MD 21654

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,300 sqft · built 2000
Lot Size	0.234 acres (10,190 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Apr 2020)
Tax Bill	$4,873 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-149668`

Property Details

APN / Parcel Number

Primary APN	`03-149668`
Alternative APNs	`3149668` `149668`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,300 sqft Total Area
Attic	Attic
Attic Area	221 sqft
Utility Area	442 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,190 sqft (0.234 acres)
Garage Type	Attached
Garage Area	442 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	40 sqft
Deck Area	258 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	149668
Street Address	100 3RD ST
City	OXFORD
State	MD
Zip	21654-1249
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 - 10,190 SF W/S THIRD ST OXFORD
Legal Subdivision	JACKS POINTE
Legal Lot Number	5
Jurisdiction	TALBOT MD
Township / Civil Division	3, TRAPPE
Census Block Group	2
Census Block	2015
Census Tract	960900

Owner

100 3rd St is owned and occupied by an individual who bought it in April 2020.

Source: Talbot County records, as of September 29, 2026

Owner of Record	Individual Name on File
Mailing Address	100 3RD ST, OXFORD, MD 21654-1249
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 14, 2020	Deed of Trust, Mortgage · VA Mortgage FIRST HOME MORTGAGE CORP
Apr 23, 2020	Deed, Transfer · VA Mortgage FIRST HOME MORTGAGE CORP
Apr 3, 2017	Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2020 · Amount on File
Deed Sale	Apr 23, 2020 · Amount on File
Prior Sale	Apr 3, 2017 · Amount on File
Deed Book / Page	2699 / 307
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	100 3RD ST, OXFORD, MD 21654-1249
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027240027
Date	Jul 14, 2020
Book Page	2724/27

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	358 Months
Due	May 1, 2050

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Apr 23, 2020
Property Address	100 3RD ST, OXFORD, MD 21654-1249
Document Number	0026990307
Book / Page	2699 / 307
Map Reference	LB 78 FO 1
Instrument Date	Apr 21, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount 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	100 3RD ST, OXFORD, MD 21654-1249

Mortgage

Document Number	0002699312
Date	Apr 23, 2020
Instrument	2699/312

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Apr 3, 2017
Property Address	100 3RD ST, OXFORD, MD 21654-1249
Document Number	0024360194
Book / Page	2436 / 194
Map Reference	LIB78 FO1
Instrument Date	Mar 31, 2017
Instrument	2436-194
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	EASTERN SHORE TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 3RD ST, OXFORD, MD 21654-1249

Mortgage

Document Number	2436198
Date	Apr 3, 2017
Instrument	2436-198

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 100 3rd St was $4,873, up 7.8% from the year before.

Source: Talbot County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Talbot County
Municipality	Oxford Town
Unified School District	Talbot County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,873.00 (+7.81%)	$434,400 Land $104,200 Building $330,200	$434,400 Land $104,200 Building $330,200
2025	$4,520.00
2023	$3,763.00	$355,900 Land $104,200 Building $251,700	$355,900 Land $104,200 Building $251,700

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

Flood

FEMA maps place 100 3rd St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 282 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	305 units insured incl. 23 condo units
Nearby Flood Claims	227 (1979–2024)
Claims Outside the SFHA	19 of 227
Most Recent Claim	Oct 2024 · other causes
Claims by Event	Hurricane Sandy, Oct 2012 · 3 claims Hurricane Isabel, Sep 2003 · 128 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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

Wildfire risk around 100 3rd St is low, with less than 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 99.8% of the US · lower than 99.8% of Maryland
Wildfire Likelihood	Under 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	TOWN OF OXFORD serves 726 people · EPA ID MD0200005
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	10 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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