107 E Division St, Oxford, MD 21654 Property Records

Talbot County property record for 107 E Division St, Oxford, MD 21654 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,150 sqft · built 1940
Lot Size	0.359 acres (15,624 sqft)
Owner	2 Trust Names on File
Last Sale	$819,843 (Nov 2004)
Tax Bill	$10,931 (2025)
Deeds & Mortgages	Feb 2022 Transfer
Flood Zone	Zone AE (high risk)
APN	`03-120333`

Property Details

APN / Parcel Number

Primary APN	`03-120333`
Alternative APNs	`3120333` `120333`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,150 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,624 sqft (0.359 acres)
Lot Dimensions	150 ft deep x 140 ft wide
Garage Type	Detached
Garage Area	508 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	56 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	120333
Street Address	107 E DIVISION ST
City	OXFORD
State	MD
Zip	21654-1266
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15,624 SF N/S DIVISION ST OXFORD
Legal Lot Number	15,624
Jurisdiction	TALBOT MD
Township / Civil Division	3, TRAPPE
Census Block Group	2
Census Block	2015
Census Tract	960900

Owner

Source: Talbot County records · APN 03-120333

Assessment roll updated August 12, 2025 · Last verified August 2026

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

Owner of Record	2 Trust Names on File
Mailing Address	107 E DIVISION ST, OXFORD, MD 21654-1266
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 05, 2004 · Amount on Record
Deed Sale	Nov 05, 2004 · Amount on Record
Prior Sale	Mar 18, 1999
Deed Document Number	200442045
Deed Book / Page	1286 / 484
Last Transfer Date	Feb 23, 2022
Transfer Doc	0029510268
Record Updated	Sep 20, 2026

February 2022: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	TALBOT MD
Recording Date	Feb 24, 2022
Property Address	107 E DIVISION ST, OXFORD, MD 21654-1266
Document Number	0029510268
Book / Page	2951 / 268
Instrument Date	Feb 23, 2022
Transaction Type	Transfer
Record Updated	Jun 07, 2023

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	Revocable Living Trust
Address	107 E DIVISION ST, OXFORD, MD 21654-1266

Tax Assessment & Valuation

Source: Talbot County records · Assessment roll updated August 12, 2025 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,027,100 (+1.77%) Land $800,600 Building $226,500	$1,027,100 (-) Land $800,600 Building $226,500
2025	$10,931.00 (+6.19%) Homeowner's exemption	$1,009,233 (+3.67%)	$1,027,100 (+5.51%) Land $800,600 Building $226,500
2023	$10,294.00 Homeowner's exemption	$973,500 Land $800,600 Building $172,900	$973,500 Land $800,600 Building $172,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Talbot County (24041C), updated October 15, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240419609002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 282 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	305 units insured (23 under condo master policies) 168 of 282 individual policies on primary residences
Nearby Flood Claims	227 (1979–2024)
Claims Outside the SFHA	19 of 227
Most Recent Claim	Oct 2024, other causes
Flood Events	Hurricane Sandy (Oct 2012), 3 claims Hurricane Isabel (Sep 2003), 128 claims Hurricane Floyd Major Disaster Declarations (Sep 1999), 4 claims

Wildfire

Wildfire Risk	Low above 3% of the US · above 6% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.