102 First St, Oxford, MD 21654 Property Records

Talbot County property record for 102 First St, Oxford, MD 21654

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,224 sqft · built 1949
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on File
Last Sale	$327,000 (Mar 2021)
Tax Bill	$3,604 (2026)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`03-107108`

Property Details

APN / Parcel Number

Primary APN	`03-107108`
Alternative APNs	`3107108` `107108`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,224 sqft Total Area
Basement Area	612 sqft
Unfinished Basement	612 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Porch	Slab
Porch Area	121 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	107108
Street Address	102 FIRST ST
City	OXFORD
State	MD
Zip	21654-1201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16,17 - 100X100 E/S FIRST ST OXFORD
Legal Subdivision	JACKS POINT PROPERTY AT OXFORD
Legal Lot Number	16,17
Jurisdiction	TALBOT MD
Township / Civil Division	3, TRAPPE
Census Block Group	2
Census Block	2015
Census Tract	960900

Owner

102 First St is owned by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 471, OXFORD, MD 21654-0471
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
Mar 4, 2021	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA
Aug 30, 2018	Deed, Transfer · Conventional Mortgage MNET MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2021 · Amount on File
Deed Sale	Mar 4, 2021 · Amount on File
Prior Sale	Aug 30, 2018 · Amount on File
Deed Book / Page	2815 / 322
Prior Transfer Date	Aug 7, 2018
Prior Transfer Doc	0025600486
Record Updated	Oct 29, 2026

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Mar 4, 2021
Property Address	102 FIRST ST, OXFORD, MD 21654-1201
Document Number	0028150322
Book / Page	2815 / 322
Map Reference	LB 1 FO 235
Instrument Date	Mar 2, 2021
Transaction Type	Transfer
Record Updated	Aug 29, 2022
Title Company	EASTERN MT 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 FIRST ST, OXFORD, MD 21654-1201

Mortgage

Document Number	0002815327
Date	Mar 4, 2021
Instrument	2815/327

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	102 FIRST ST, OXFORD, MD 21654-1201
Document Number	0027920362
Instrument Date	Dec 14, 2020
Transaction Type	Mortgage
Record Updated	Jan 21, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8614 SE 11TH AVE PORTLAND OR 972027012, PORTLAND, OR 97202-7012

Mortgage

Document Number	0027920362
Date	Jan 11, 2021
Book Page	002792/000362

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 10, 2051

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Aug 30, 2018
Property Address	102 FIRST ST, OXFORD, MD 21654-1201
Document Number	0025600486
Book / Page	2560 / 486
Map Reference	LB1 FO236
Instrument Date	Aug 7, 2018
Transaction Type	Transfer
Record Updated	Aug 29, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,300.02
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8614 SE 11TH AVE, PORTLAND, OR 97202-7012

Mortgage

Document Number	0002560491
Date	Aug 30, 2018
Instrument	2560/491

Lender

Name	MNET MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 102 First St was $3,604, up 1.9% 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	$3,604.00 (+1.87%)	$321,300 (+0.53%) Land $195,000 Building $126,300	$321,300 (-) Land $195,000 Building $126,300
2025	$3,538.00	$319,600	$321,300 Land $195,000 Building $126,300
2023	$3,343.00	$316,200 Land $195,000 Building $121,200	$316,200 Land $195,000 Building $121,200

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

Flood

FEMA maps place 102 First St in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 102 First 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 99.1% of the US · lower than 98.5% 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 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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