100 E Division St, Oxford, MD 21654 Property Records

Talbot County property record for 100 E Division St, Oxford, MD 21654 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,568 sqft · built 1976
Lot Size	0.225 acres (9,812 sqft)
Owner	Individual Name on File
Last Sale	$435,000 (Jun 2026)
Tax Bill	$2,546 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`03-108643`

Property Details

APN / Parcel Number

Primary APN	`03-108643`
Alternative APNs	`3108643` `108643`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,568 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,812 sqft (0.225 acres)
Lot Dimensions	100 ft deep x 98 ft wide
Porch	Slab
Porch Area	200 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	108643
Street Address	100 E DIVISION ST
City	OXFORD
State	MD
Zip	21654-1265
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 98X100 S/S DIVISION ST OXFORD PLAT 37/57
Legal Subdivision	LAND OF LOUIS E HAYES JR & RUTH E HAYES
Jurisdiction	TALBOT MD
Township / Civil Division	3, TRAPPE
Census Block Group	2
Census Block	2015
Census Tract	960900

Owner

Source: Talbot County records · APN 03-108643

Assessment roll updated August 12, 2025 · Last verified August 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 File
Mailing Address	524 9TH ST SE, WASHINGTON, DC 20003-2838
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 22, 2026 · Amount on Record
Deed Sale	Jun 22, 2026 · Amount on Record
Prior Sale	Nov 21, 2014 · Amount on Record
Deed Book / Page	3276 / 225
Transfer Doc	0000001389
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Jun 22, 2026
Property Address	100 E DIVISION ST, OXFORD, MD 21654-1265
Document Number	3276000225
Book / Page	3276 / 225
Instrument Date	May 15, 2026
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$43,935.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	524 9TH ST SE, WASHINGTON, DC 20003-2838

Mortgage

Document Number	3276000230,
Date	Jun 22, 2026
Book Page	3276/230

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Talbot County records · Assessment roll updated August 12, 2025 · Last verified August 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$242,900 (+5.62%) Land $77,900 Building $165,000	$242,900 (-) Land $77,900 Building $165,000
2025	$2,546.00 (+17.98%)	$229,967 (+12.67%)	$242,900 (+19.01%) Land $77,900 Building $165,000
2023	$2,158.00	$204,100 Land $77,900 Building $126,200	$204,100 Land $77,900 Building $126,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Talbot County (24041C), updated October 15, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240419609002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	4.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 282 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	305 units insured (23 under condo master policies) 168 of 282 individual policies on primary residences
Nearby Flood Claims	227 (1979–2024)
Claims Outside the SFHA	19 of 227
Most Recent Claim	Oct 2024, other causes
Flood Events	Hurricane Sandy (Oct 2012), 3 claims Hurricane Isabel (Sep 2003), 128 claims Hurricane Floyd Major Disaster Declarations (Sep 1999), 4 claims

Wildfire

Wildfire Risk	Low above 3% of the US · above 6% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.