Worcester County property record for 203 Commerce St, Snow Hill, MD 21863
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 807 sqft · built 1930 |
| Lot Size | 0.083 acres (3,612 sqft) |
| Owner | Individual Name on File |
| Last Sale | $58,000 (Jun 2026) |
| Tax Bill | $926 (2026) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Mar 2022 Sale & Construction Loan |
| Flood Zone | Zone AE (high risk) |
| APN | 02-016524 |
| Primary APN | 02-016524 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 807 sqft Total Area |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 3,612 sqft (0.083 acres) |
| Lot Dimensions | 97 ft deep x 37 ft wide |
| Porch | Porch |
| Porch Area | 91 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 016524 |
|---|---|
| Street Address | 203 COMMERCE ST |
| City | SNOW HILL |
| State | MD |
| Zip | 21863-1005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B-2 |
| Legal Description | LOT 4 37.4 X 96.6 203 COMMERCE ST PL HORACE G PAYNE PROP |
| Legal Subdivision | PAYNE HORACE G ESTATE |
| Legal Lot Number | 4 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 2, CENTRAL |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 951300 |
203 Commerce St is owned and occupied by an individual who bought it in June 2026.
Source: Worcester County records, as of October 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 203 COMMERCE ST, SNOW HILL, MD 21863-1005 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Jun 17, 2026 | Deed, Transfer · Conventional Mortgage MARYLAND CAP ENTS INC |
| Mar 10, 2022 | Deed, Transfer · Construction Mortgage THE FARMERS BANK OF WILLARDS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 17, 2026 · Amount on File |
| Deed Sale | Jun 17, 2026 · Amount on File |
| Prior Sale | Feb 3, 2012 · Amount on File |
| Deed Book / Page | 9169 / 241 |
| Prior Transfer Date | Feb 25, 2022 |
| Prior Transfer Doc | 0083300261 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Jun 17, 2026 |
| Property Address | 203 COMMERCE ST, SNOW HILL, MD 21863-1005 |
| Document Number | 9169000241 |
| Book / Page | 9169 / 241 |
| Instrument Date | Jun 16, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2026 |
| Title Company | OCEAN INVESTMENTS TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,858.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 203 COMMERCE ST, SNOW HILL, MD 21863-1005 |
| Document Number | 9169000245, |
|---|---|
| Date | Jun 17, 2026 |
| Book Page | 9169/245 |
| Name | MARYLAND CAP ENTS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Mar 10, 2022 |
| Property Address | 203 COMMERCE ST, SNOW HILL, MD 21863-1005 |
| Document Number | 0083300261 |
| Book / Page | 8330 / 261 |
| Map Reference | LB 5827 FO 386 |
| Instrument Date | Feb 25, 2022 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | OCEAN INVS TITLE CORPOR, OCEAN INVESTMENTS TITLE CORP |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 203 COMMERCE ST, SNOW HILL, MD 21863-1005 |
| Document Number | 0008330266 |
|---|---|
| Date | Mar 10, 2022 |
| Instrument | 8330/266 |
| Name | THE FARMERS BANK OF WILLARDS |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 203 Commerce St was $926, down 6.4% from the year before.
Source: Worcester County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Municipality | Snow Hill Town |
| Unified School District | Worcester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $926.00 (-6.37%) | $49,900 (-6.38%) Land $16,500 Building $33,400 | $49,900 (-6.38%) Land $16,500 Building $33,400 |
| 2025 | $989.00 | $53,300 Land $16,500 Building $36,800 | $53,300 Land $16,500 Building $36,800 |
| 2023 | $695.00 | $36,700 | $53,300 Land $16,500 Building $36,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 203 Commerce St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · 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 | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 4 (1998–2012) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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 risk around 203 Commerce St is low, with 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 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within 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 SNOW HILL serves 2,409 people · EPA ID MD0230007 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jan 2021 |
|---|---|
| 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 365 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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