Talbot County property record for 206 E Strand, Oxford, MD 21654
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,762 sqft · built 1920 |
| Lot Size | 0.121 acres (5,280 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $400,000 (Nov 1999) |
| Tax Bill | $5,648 (2025) |
| Deeds & Mortgages | Nov 2022 Mortgage Jan 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-109216 |
| Primary APN | 03-109216 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,762 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Construction Type | Frame |
| 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 | 825 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 90 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Sewer | Connected |
| Account Number | 109216 |
|---|---|
| Street Address | 206 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 |
| Legal Subdivision | STEWART |
| Jurisdiction | TALBOT MD |
| Township / Civil Division | 3, TRAPPE |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 960900 |
Source: Talbot County records · APN 03-109216
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 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 223, OXFORD, MD 21654-0223 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 31, 2017 | Grant Deed, Transfer ELLEN S RAJACICH |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 22, 1999 · Amount on Record |
| Deed Sale | Nov 22, 1999 · Amount on Record |
| Deed Document Number | 19991813 |
| Deed Book / Page | 949 / 245 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TALBOT MD |
| Property Address | 206 E STRAND, OXFORD, MD 21654-1048 |
| Transaction Type | Mortgage |
| Record Updated | Dec 07, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0030180440 |
|---|---|
| Date | Nov 28, 2022 |
| Book Page | 3018/440 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | TALBOT MD |
| Recording Date | Jan 31, 2017 |
| Property Address | 206 E STRAND, OXFORD, MD 21654-1048 |
| Document Number | 0024210166 |
| Book / Page | 002421 / 000166 |
| Instrument Date | Jan 26, 2017 |
| Transaction Type | Transfer |
| Record Updated | Apr 20, 2017 |
| Title Company | VENTURE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $500.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 338 CALLENDER LN WALLINGFORD PA 190866405, WALLINGFORD, PA 19086-6405 |
| Document Number | 24210172 |
|---|---|
| Date | Jan 31, 2017 |
| Book Page | 002421/000172 |
| Name | ELLEN S RAJACICH |
|---|---|
| Special Notes | Seller Financed |
| Amount | Amount Recorded |
|---|
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 | $537,200 (+7.29%) Land $377,300 Building $159,900 | $537,200 (+7.29%) Land $377,300 Building $159,900 | |
| 2025 | $5,648.00 (+6.69%) Homeowner's exemption | ||
| 2023 | $5,294.00 | $500,700 Land $377,300 Building $123,400 | $500,700 Land $377,300 Building $123,400 |
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 minimal risk |
|---|---|
| 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 |
|
| Wildfire Risk | Not rated no burnable land within 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 · sampled at 224 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cogeco Cable Holdings II Cable | 1,000 / 50 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | TOWN OF OXFORD serves 726 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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