Talbot County property record for 106 Willows Ave, Oxford, MD 21654
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 3,190 sqft · built 1994 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $570,000 (Aug 2006) |
| Tax Bill | $4,622 (2026) |
| Deeds & Mortgages | Jun 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 03-150690 |
| Primary APN | 03-150690 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,190 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,000 sqft (0.23 acres) |
| Garage Type | Built-in |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 319 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 150690 |
|---|---|
| Street Address | 106 WILLOWS AVE |
| City | OXFORD |
| State | MD |
| Zip | 21654-1351 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PARCEL 1 - 10,000 SF WILLOWS AVENUE OXFORD |
| Legal Subdivision | STEINBERG ALBERT G LAND |
| Legal Lot Number | P1 |
| Jurisdiction | TALBOT MD |
| Township / Civil Division | 3, TRAPPE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 960900 |
Source: Talbot County records, as of September 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 106 WILLOWS AVE, OXFORD, MD 21654-1351 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 30, 2006 · Amount on Record |
| Deed Sale | Aug 30, 2006 · Amount on Record |
| Prior Sale | Jun 19, 2002 · Amount on Record |
| Deed Document Number | 200661240 |
| Deed Book / Page | 1474 / 441 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TALBOT MD |
| Property Address | 106 WILLOWS AVE, OXFORD, MD 21654-1351 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0028560229 |
|---|---|
| Date | Jun 7, 2021 |
| Book Page | 2856/229 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 1, 2051 |
Source: Talbot County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Talbot County |
| Municipality | Oxford Town |
| Unified School District | Talbot County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,622.00 (+3.56%) Homeowner's exemption | $478,000 (+23.96%) Land $91,000 Building $387,000 | $478,000 (+23.96%) Land $91,000 Building $387,000 |
| 2025 | $4,463.00 (+9.47%) Homeowner's exemption | ||
| 2023 | $4,077.00 | $385,600 Land $91,000 Building $294,600 | $385,600 Land $91,000 Building $294,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4.0 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 |
|
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.
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.
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 |
| 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.
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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