101 Willows Ave, Oxford, MD 21654 Property Records

Talbot County property record for 101 Willows Ave, Oxford, MD 21654

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,486 sqft · built 1952
Lot Size	0.072 acres (3,132 sqft)
Owner	2 Individual Names on File
Last Sale	$299,000 (Aug 2017)
Tax Bill	$3,891 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Aug 2017 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`03-111032`

Property Details

APN / Parcel Number

Primary APN	`03-111032`
Alternative APNs	`3111032` `111032`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,486 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,132 sqft (0.072 acres)
Lot Dimensions	58 ft deep x 54 ft wide
Garage Type	Built-in
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	111032
Street Address	101 WILLOWS AVE
City	OXFORD
State	MD
Zip	21654-1352
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 54X58 N/S WILLOWS AVE OXFORD
Legal Subdivision	TRED AVON ADDITION
Jurisdiction	TALBOT MD
Township / Civil Division	3, TRAPPE
Census Block Group	2
Census Block	2013
Census Tract	960900

Owner

Source: Talbot County assessment roll, as of August 12, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	307 CHESTERFIELD AVE, CENTREVILLE, MD 21617-1309
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2022	Deed of Trust, Mortgage · Line of Credit SHORE UNITED BANK NA
Aug 28, 2017	Deed, Transfer · Commercial Mortgage CNB
Feb 6, 2017	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 28, 2017 · Amount on Record
Deed Sale	Aug 28, 2017 · Amount on Record
Prior Sale	Feb 6, 2017 · Amount on Record
Deed Document Number	20172473-247
Deed Book / Page	2473 / 247
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	101 WILLOWS AVE, OXFORD, MD 21654-1352
Transaction Type	Mortgage
Record Updated	Apr 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 CHESTERFIELD AVE, CENTREVILLE, MD 21617-1309

Mortgage

Document Number	0029640297
Date	Apr 6, 2022
Book Page	2964/297

Lender

Name	SHORE UNITED BANK NA
Type	Bank
Address	CENTREVILLE, MD 21617

Agreement

Type	Line of Credit
Amount	Amount Recorded

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Aug 28, 2017
Property Address	101 WILLOWS AVE, OXFORD, MD 21654-1352
Document Number	0024730247
Book / Page	2473 / 247
Map Reference	LB162 FO437
Instrument Date	Aug 23, 2017
Instrument	2473-247
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,985.00
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	307 CHESTERFIELD AVE, CENTREVILLE, MD 21617-1309

Mortgage

Document Number	2473253
Date	Aug 28, 2017
Instrument	2473-253

Lender

Name	CNB
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Feb 6, 2017
Property Address	101 WILLOWS AVE, OXFORD, MD 21654-1352
Document Number	0024230089
Book / Page	2423 / 089
Map Reference	LB162 FO437
Instrument Date	Jan 31, 2017
Instrument	2423-089
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,000.00
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	101 WILLOWS AVE, OXFORD, MD 21654-1352

Mortgage

Document Number	2423094
Date	Feb 6, 2017
Instrument	2423-094

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

Source: Talbot County assessment roll, as of August 12, 2025

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		$375,900 (+24.31%) Land $70,000 Building $305,900	$375,900 (+24.31%) Land $70,000 Building $305,900
2025	$3,891.00 (+21.71%)
2023	$3,197.00	$302,400 Land $70,000 Building $232,400	$302,400 Land $70,000 Building $232,400

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 October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cogeco Cable Holdings II Cable	1,000 / 50
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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