112 First St, Oxford, MD 21654 Property Records

Talbot County property record for 112 First St, Oxford, MD 21654

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,402 sqft · built 1998
Lot Size	0.143 acres (6,250 sqft)
Owner	2 Company Names on File
Last Sale	$650,000 (Sep 2016)
Tax Bill	$6,086 (2025)
Deeds & Mortgages	Jan 2023 Transfer Apr 2021 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`03-106772`

Property Details

APN / Parcel Number

Primary APN	`03-106772`
Alternative APNs	`3106772` `106772`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,402 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,250 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide

Exterior Amenities

Porch	Slab
Porch Area	432 sqft
Deck Area	216 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	106772
Street Address	112 FIRST ST
City	OXFORD
State	MD
Zip	21654-1201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 50X125 E/S FIRST ST OXFORD
Legal Subdivision	JACKS POINT
Jurisdiction	TALBOT MD
Township / Civil Division	3, TRAPPE
Census Block Group	2
Census Block	2015
Census Tract	960900

Owner

Source: Talbot County assessment roll, as of August 12, 2025

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

Owner of Record	2 Company Names on File
Mailing Address	112 FIRST ST, OXFORD, MD 21654-1201
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2023	Intrafamily Transfer, Transfer
Apr 7, 2021	Deed of Trust, Mortgage · Line of Credit DEPARTMENT OF COMMERCE FCU
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage DEPARTMENT OF COMMERCE FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 1, 2016 · Amount on Record
Deed Sale	Sep 1, 2016 · Amount on Record
Prior Sale	Jun 22, 2005 · Amount on Record
Deed Book / Page	2380 / 262
Last Transfer Date	Jan 24, 2023
Transfer Doc	0030300482
Record Updated	Sep 20, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	TALBOT MD
Recording Date	Jan 30, 2023
Property Address	112 FIRST ST, OXFORD, MD 21654-1201
Document Number	0030300482
Book / Page	3030 / 482
Instrument Date	Jan 24, 2023
Transaction Type	Transfer
Record Updated	Jun 7, 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 Trust

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	112 FIRST ST, OXFORD, MD 21654-1201
Transaction Type	Mortgage
Record Updated	Aug 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028300253
Date	Apr 7, 2021
Book Page	2830/253

Lender

Name	DEPARTMENT OF COMMERCE FCU
Type	Credit Union
Address	WASHINGTON, DC 20044

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 6, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	112 FIRST ST, OXFORD, MD 21654-1201
Transaction Type	Mortgage
Record Updated	Aug 29, 2022
Title Company	PEAK SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029040219
Date	Oct 12, 2021
Book Page	2904/219

Lender

Name	DEPARTMENT OF COMMERCE FCU
Type	Credit Union
Address	WASHINGTON, DC 20230

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

Source: Talbot County assessment roll, as of August 12, 2025

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		$696,900 (+4.68%) Land $304,800 Building $392,100	$696,900 (-) Land $304,800 Building $392,100
2025	$6,086.00 (+8.93%) Homeowner's exemption	$665,733 (+10.33%)	$696,900 (+15.5%) Land $304,800 Building $392,100
2023	$5,587.00 Homeowner's exemption	$603,400 Land $304,800 Building $298,600	$603,400 Land $304,800 Building $298,600

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 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 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 at the parcel

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)
Cogeco Cable Holdings II Cable	1,000 / 50
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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