207 3rd St, Oxford, MD 21654 Property Records

Talbot County property record for 207 3rd St, Oxford, MD 21654

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,624 sqft · built 1998
Lot Size	0.239 acres (10,407 sqft)
Owner	2 Individual Names on File
Last Sale	$649,000 (May 2023)
Tax Bill	$6,048 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-149757`

Property Details

APN / Parcel Number

Primary APN	`03-149757`
Alternative APNs	`3149757` `149757`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,624 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	10,407 sqft (0.239 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	54 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	149757
Street Address	207 3RD ST
City	OXFORD
State	MD
Zip	21654-1252
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 - 10,407 SF E/S THIRD ST OXFORD
Legal Subdivision	OXFORD PLAT 78/01
Legal Lot Number	14
Jurisdiction	TALBOT MD
Township / Civil Division	3, TRAPPE
Census Block Group	2
Census Block	2019
Census Tract	960900

Owner

207 3rd St is owned and occupied by two individuals who bought it in May 2023.

Source: Talbot County records, as of September 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	4440 WILLARD AVE, 1123, CHEVY CHASE, MD 20815-3768
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2023	Deed, Transfer · Conventional Mortgage NFM INC
Jan 13, 2022	Deed of Trust, Mortgage · Unknown CNB
Apr 28, 2020	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2023 · Amount on File
Deed Sale	May 4, 2023 · Amount on File
Prior Sale	Apr 28, 2020 · Amount on File
Deed Book / Page	3047 / 270
Prior Transfer Date	Jan 21, 2008
Prior Transfer Doc	0015980031
Record Updated	Oct 29, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	May 4, 2023
Property Address	207 3RD ST, OXFORD, MD 21654-1252
Document Number	0030470270
Book / Page	3047 / 270
Map Reference	LB 78 FO 1
Instrument Date	May 1, 2023
Transaction Type	Transfer
Record Updated	May 24, 2023
Title Company	NOT AVAILABLE, VENTURE TITLE COMPANY LLCC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6405 TONE DR, BETHESDA, MD 20817-5815

Mortgage

Document Number	0030470275
Date	May 4, 2023
Instrument	3047-0275

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2030
Change Frequency	6 Months
Min Rate At Change	5%
Max Rate At Change	9%
Index	Other
Max Rate	12%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	207 3RD ST, OXFORD, MD 21654-1252
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 3RD ST, OXFORD, MD 21654-1252

Mortgage

Document Number	0029380360
Date	Jan 13, 2022
Book Page	2938/360

Lender

Name	CNB
Type	Bank
Address	EASTON, MD 21601

Agreement

Type	Unknown
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Apr 28, 2020
Property Address	207 3RD ST, OXFORD, MD 21654-1252
Document Number	0027000484
Book / Page	2700 / 484
Map Reference	LB 78 FO 01
Instrument Date	Apr 27, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	EASTERN SHORE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	207 3RD ST, OXFORD, MD 21654-1252

Mortgage

Document Number	0002700491
Date	Apr 28, 2020
Instrument	2700/491

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 207 3rd St was $6,048 with a homeowner's exemption, up 3.5% from the year before.

Source: Talbot County assessment roll, as of September 29, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,048.00 (+3.46%) Homeowner's exemption	$564,900 (+6.99%) Land $104,400 Building $460,500	$564,900 (-) Land $104,400 Building $460,500
2025	$5,846.00 Homeowner's exemption	$528,000	$564,900 Land $104,400 Building $460,500
2023	$4,803.00	$454,200 Land $104,400 Building $349,800	$454,200 Land $104,400 Building $349,800

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

Flood

FEMA maps place 207 3rd St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 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 File 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

Wildfire risk around 207 3rd St is low, with less than 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 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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)
Breezeline Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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