208 E Strand, Oxford, MD 21654 Property Records

Talbot County property record for 208 E Strand, Oxford, MD 21654

Property Summary

Property Type	Single Family Home
Details	5.5 ba · 4,957 sqft · built 1900
Lot Size	0.231 acres (10,080 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,500,000 (Jul 2023)
Tax Bill	$18,357 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-109682`

Property Details

APN / Parcel Number

Primary APN	`03-109682`
Alternative APNs	`3109682` `109682`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,957 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood Shingle
Roof Material	Wood Shingle
Lot Area	10,080 sqft (0.231 acres)
Lot Dimensions	160 ft deep x 63 ft wide
View / Lot	Waterfront
Garage Type	Detached
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	630 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	109682
Street Address	208 E STRAND
City	OXFORD
State	MD
Zip	21654-1048
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 63X160 S/S STRAND OXFORD
Jurisdiction	TALBOT MD
Township / Civil Division	3, TRAPPE
Census Block Group	2
Census Block	2026
Census Tract	960900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

Owner

Source: Talbot County records, as of August 18, 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 Record
Mailing Address	412 N VIEW TER, ALEXANDRIA, VA 22301-2612
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2023 · Amount on Record
Deed Sale	Jul 25, 2023 · Amount on Record
Prior Sale	Jan 3, 2013 · Amount on Record
Deed Book / Page	3063 / 27
Record Updated	Sep 20, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Jul 25, 2023
Property Address	208 E STRAND, OXFORD, MD 21654-1048
Document Number	0030630027
Book / Page	3063 / 27
Instrument Date	Jul 24, 2023
Transaction Type	Transfer
Record Updated	Aug 16, 2023
Title Company	NOT AVAILABLE, TIDEMARK TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 E STRAND, OXFORD, MD 21654-1048

Mortgage

Document Number	0030630035
Date	Jul 25, 2023
Instrument	3063-0035

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.8%
Margin	3
Max Rate	11.8%

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		$1,780,100 (+25.9%) Land $422,800 Building $1,357,300	$1,780,100 (+25.9%) Land $422,800 Building $1,357,300
2025	$18,357.00 (+23.63%)
2023	$14,848.00 (+5.44%) Homeowner's exemption	$1,413,900 (-) Land $422,800 Building $991,100	$1,413,900 (-) Land $422,800 Building $991,100
2022	$14,082.00 Homeowner's exemption	$1,413,900 Land $422,800 Building $991,100	$1,413,900 Land $422,800 Building $991,100

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 minimal risk
Nearest Special Flood Hazard Area	Zone VE, 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	Not rated no burnable land within 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 224 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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