105 E Strand, Oxford, MD 21654 Property Records

Talbot County property record for 105 E Strand, Oxford, MD 21654

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,420 sqft · built 1975
Lot Size	0.665 acres (28,967 sqft)
Owner	Individual Name on Record
Tax Bill	$9,242 (2026)
Deeds & Mortgages	Oct 2025 Transfer Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-152308`

Property Details

APN / Parcel Number

Primary APN	`03-152308`
Alternative APNs	`3152308` `152308`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	3,420 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	28,967 sqft (0.665 acres)
Lot Dimensions	265 ft deep x 84 ft wide
View / Lot	Waterfront
Garage Type	Mixed
Garage Area	288 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	240 sqft
Deck Area	240 sqft
Patio Area	130 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	152308
Street Address	105 E STRAND
City	OXFORD
State	MD
Zip	21654-1045
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1- 0.665 AC END OF STRAND OXFORD
Legal Subdivision	C S GOLDSBOROUGH OXFORD
Legal Lot Number	1
Jurisdiction	TALBOT MD
Township / Civil Division	3, TRAPPE
Census Block Group	2
Census Block	2003
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	PO BOX 70, OXFORD, MD 21654-0070
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2025	Intrafamily Transfer, Transfer
Oct 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage 1880 BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 9, 2025
Transfer Doc	0032180102
Record Updated	Oct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	TALBOT MD
Recording Date	Oct 14, 2025
Property Address	105 E STRAND, OXFORD, MD 21654-1045
Document Number	0032180102
Book / Page	3218 / 102
Map Reference	LB 83 FO 361
Instrument Date	Oct 9, 2025
Transaction Type	Transfer
Record Updated	Nov 6, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	PO BOX 70, OXFORD, MD 21654-0070

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	105 E STRAND, OXFORD, MD 21654-1045
Document Number	0027660474
Instrument Date	Oct 16, 2020
Transaction Type	Mortgage
Record Updated	Nov 23, 2020
Title Company	EASTERN TITLE AND CLOSING SERVICES, EASTERN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 W STRAND OXFORD MD 21654, OXFORD, MD 21654

Mortgage

Document Number	0027660474
Date	Nov 4, 2020
Book Page	002766/000474

Lender

Name	1880 BK
Address	CAMBRIDGE, MD 21613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$9,242.00 (+2.42%) Homeowner's exemption	$1,302,100 (+2.59%) Land $887,800 Building $414,300	$1,302,100 (-) Land $887,800 Building $414,300
2025	$9,024.00 (+6.15%) Homeowner's exemption	$1,269,267 (+5.46%)	$1,302,100 (+8.18%) Land $887,800 Building $414,300
2023	$8,501.00 Homeowner's exemption	$1,203,600 Land $887,800 Building $315,800	$1,203,600 Land $887,800 Building $315,800

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 X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 224 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

May also be available: Verizon.

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