102 E Pier St, Oxford, MD 21654 Property Records

Talbot County property record for 102 E Pier St, Oxford, MD 21654

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,375 sqft · built 1972
Lot Size	0.383 acres (16,675 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Sep 2020)
Tax Bill	$3,085 (2026)
Deeds & Mortgages	Aug 2023 Mortgage Nov 2021 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`03-110486`

Property Details

APN / Parcel Number

Primary APN	`03-110486`
Alternative APNs	`3110486` `110486`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,375 sqft Total Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	16,675 sqft (0.383 acres)
Porch	Slab
Porch Area	240 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	110486
Street Address	102 E PIER ST
City	OXFORD
State	MD
Zip	21654-1347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 - 115X145 S/S PIER ST OXFORD
Legal Subdivision	PIER STREET LOTS OXFORD
Legal Lot Number	7
Jurisdiction	TALBOT MD
Township / Civil Division	3, TRAPPE
Census Block Group	2
Census Block	2013
Census Tract	960900

Owner

Source: Talbot County records, as of September 29, 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 Record
Mailing Address	555 WINTER ST NE, SALEM, OR 97301-3809
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2023	Deed of Trust, Mortgage · Unknown SHORE UNITED BANK NA
Nov 19, 2021	Deed of Trust, Mortgage · Line of Credit CNB
Sep 24, 2020	Deed, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2020 · Amount on Record
Deed Sale	Sep 24, 2020 · Amount on Record
Prior Sale	Apr 14, 2016 · Amount on Record
Deed Book / Page	2750 / 335
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	102 E PIER ST, OXFORD, MD 21654-1347
Transaction Type	Mortgage
Record Updated	Sep 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	555 WINTER ST NE 304, 304, SALEM, OR 97301-3877

Mortgage

Document Number	0030670209
Date	Aug 17, 2023
Book Page	3067/209

Lender

Name	SHORE UNITED BANK NA
Type	Bank
Address	EASTON, MD 21601

Agreement

Type	Unknown
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	102 E PIER ST, OXFORD, MD 21654-1347
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 NW 31ST ST, CORVALLIS, OR 97330-5153

Mortgage

Document Number	0029200184
Date	Nov 19, 2021
Book Page	2920/184

Lender

Name	CNB
Type	Bank
Address	EASTON, MD 21601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	15 Months
Due	Feb 18, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Sep 24, 2020
Property Address	102 E PIER ST, OXFORD, MD 21654-1347
Document Number	0027500335
Book / Page	2750 / 335
Map Reference	LB 20 FO 92
Instrument Date	Sep 22, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	VENTURE TITLE CO LLC

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	218 NW 31ST ST, CORVALLIS, OR 97330-5153

Mortgage

Document Number	0002750339
Date	Sep 24, 2020
Instrument	2750/339

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

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	$3,085.00 (+6.67%)	$275,000 (+17.67%) Land $97,900 Building $177,100	$275,000 (+17.67%) Land $97,900 Building $177,100
2025	$2,892.00 (+17.04%)
2023	$2,471.00	$233,700 Land $97,900 Building $135,800	$233,700 Land $97,900 Building $135,800

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

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 234 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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