Talbot County property record for 101 E Division St, Oxford, MD 21654 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,166 sqft · built 1966 |
| Lot Size | 0.362 acres (15,750 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $145,000 (Nov 1989) |
| Tax Bill | $4,042 (2025) |
| Deeds & Mortgages | Mar 2023 Transfer Aug 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 03-109704 |
| Primary APN | 03-109704 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,166 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 15,750 sqft (0.362 acres) |
| Lot Dimensions | 210 ft deep x 75 ft wide |
| View / Lot | Waterfront |
| Porch | Slab |
|---|---|
| Porch Area | 268 sqft |
| Deck Area | 26 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 109704 |
|---|---|
| Street Address | 101 E DIVISION ST |
| City | OXFORD |
| State | MD |
| Zip | 21654-1266 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 75X210 N/S DIVISION ST OXFORD |
| Legal Subdivision | JACKS POINT |
| Jurisdiction | TALBOT MD |
| Township / Civil Division | 3, TRAPPE |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 960900 |
Source: Talbot County records · APN 03-109704
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 | 2 Company Names on File |
|---|---|
| Mailing Address | 101 E DIVISION ST, OXFORD, MD 21654-1266 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Mar 16, 2023 | Intrafamily Transfer, Transfer |
| Aug 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BAY CAPITAL MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 16, 1989 · Amount on Record |
| Deed Sale | Nov 16, 1989 · Amount on Record |
| Deed Book / Page | 678 / 600 |
| Last Transfer Date | Mar 14, 2023 |
| Transfer Doc | 0030380077 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | TALBOT MD |
| Recording Date | Mar 16, 2023 |
| Property Address | 101 E DIVISION ST, OXFORD, MD 21654-1266 |
| Document Number | 0030380077 |
| Book / Page | 3038 / 77 |
| Map Reference | LB 7 FO 16 |
| Instrument Date | Mar 14, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 101 E DIVISION ST, OXFORD, MD 21654-1266 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TALBOT MD |
| Property Address | 101 E DIVISION ST, OXFORD, MD 21654-1266 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0027380019 |
|---|---|
| Date | Aug 21, 2020 |
| Book Page | 2738/19 |
| Name | BAY CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ANNAPOLIS, MD 21401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 01, 2035 |
Source: Talbot County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Talbot County |
| Municipality | Oxford Town |
| Unified School District | Talbot County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $610,500 (+3.39%) Land $355,000 Building $255,500 | $610,500 (-) Land $355,000 Building $255,500 | |
| 2025 | $4,042.00 (+7.21%) Homeowner's exemption | $590,467 (+7.28%) | $610,500 (+10.92%) Land $355,000 Building $255,500 |
| 2023 | $3,770.00 Homeowner's exemption | $550,400 Land $355,000 Building $195,400 | $550,400 Land $355,000 Building $195,400 |
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
| 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 | 5.0 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 |
|
| 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.
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