Talbot County property record for 204 E Strand, Oxford, MD 21654 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,240 sqft · built 1900 |
| Lot Size | 0.121 acres (5,280 sqft) |
| Owner | Individual Name on File |
| Last Sale | $292,500 (Oct 2002) |
| Tax Bill | $5,956 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Apr 2026 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-108716 |
| Primary APN | 03-108716 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,240 sqft Total Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 5,280 sqft (0.121 acres) |
| Lot Dimensions | 160 ft deep x 33 ft wide |
| View / Lot | Waterfront |
| Garage Type | Detached |
| Garage Area | 512 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 239 sqft |
| Heating System | Baseboard |
|---|---|
| Sewer | Connected |
| Account Number | 108716 |
|---|---|
| Street Address | 204 E STRAND |
| City | OXFORD |
| State | MD |
| Zip | 21654-1048 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 33X160 S/S STRAND OXFORD, P 96/314 |
| Jurisdiction | TALBOT MD |
| Township / Civil Division | 3, TRAPPE |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 960900 |
Source: Talbot County records · APN 03-108716
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 | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 114, OXFORD, MD 21654-0114 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 29, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Apr 29, 2026 | Deed of Trust · Line of Credit FIGURE LENDING LLC |
| Jan 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NETWORK CAPITAL FUNDING CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 04, 2002 · Amount on Record |
| Deed Sale | Oct 04, 2002 · Amount on Record |
| Prior Sale | Sep 11, 2002 |
| Deed Document Number | 20025147 |
| Deed Book / Page | 1091 / 330 |
| Transfer Doc | 0000001430 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TALBOT MD |
| Recording Date | Apr 29, 2026 |
| Property Address | 204 E STRAND, OXFORD, MD 21654-1048 |
| Document Number | 0032620164 |
| Book / Page | 3262 / 164 |
| Instrument Date | Apr 21, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 204 E STRAND, OXFORD, MD 21654-1048 |
| Document Number | 3262000164, |
|---|---|
| Date | Apr 29, 2026 |
| Book Page | 3262/164 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 18, 2046 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TALBOT MD |
| Recording Date | Apr 29, 2026 |
| Property Address | 204 E STRAND, OXFORD, MD 21654-1048 |
| Document Number | 3262000164 |
| Book / Page | 3262 / 164 |
| Instrument Date | Apr 21, 2026 |
| Record Updated | May 07, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE |
| Name | Verified Name |
|---|---|
| Address | 204 E STRAND, OXFORD, MD 21654-1048 |
| Document Number | 3262000164, |
|---|---|
| Date | Apr 29, 2026 |
| Book Page | 3262/164 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 18, 2046 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TALBOT MD |
| Property Address | 204 E STRAND, OXFORD, MD 21654-1048 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 204 E STRAND, OXFORD, MD 21654-1048 |
| Document Number | 0029430217 |
|---|---|
| Date | Jan 28, 2022 |
| Book Page | 2943/217 |
| Name | NETWORK CAPITAL FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Jun 01, 2051 |
Source: Talbot County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Talbot County |
| Municipality | Oxford Town |
| Unified School District | Talbot County Public Schools (PK - 12) |
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 | $571,000 (+2.67%) Land $377,300 Building $193,700 | $571,000 (-) Land $377,300 Building $193,700 | |
| 2025 | $5,956.00 (+6.99%) Homeowner's exemption | $556,167 (+5.63%) | $571,000 (+8.45%) Land $377,300 Building $193,700 |
| 2023 | $5,567.00 Homeowner's exemption | $526,500 Land $377,300 Building $149,200 | $526,500 Land $377,300 Building $149,200 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 |
| Nearby Flood Claims | 227 (1979–2024) |
| Claims Outside the SFHA | 19 of 227 |
| Most Recent Claim | Oct 2024, other causes |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026
| Historic District | Within the Oxford Historic District listed 2005 · 206 contributing resources · NRIS 05001481 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 224 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cogeco Cable Holdings II | Cable | 1,000 / 50 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
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