305 Locust St, Crisfield, MD 21817 Property Records

Somerset County property record for 305 Locust St, Crisfield, MD 21817

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,026 sqft · built 1940
Lot Size	0.098 acres (4,250 sqft)
Owner	Individual Name on File
Last Sale	$48,782 (Dec 2023)
Tax Bill	$607 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`07-120702`

Property Details

APN / Parcel Number

Primary APN	`07-120702`
Alternative APNs	`7120702` `120702`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,026 sqft Total Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	4,250 sqft (0.098 acres)
Lot Dimensions	85 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	120702
Street Address	305 LOCUST ST
City	CRISFIELD
State	MD
Zip	21817-1338
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	0.098 AC S/LOCUST STREET CRISFIELD
Jurisdiction	SOMERSET MD
Township / Civil Division	7, CRISFIELD
Census Block Group	3
Census Block	3008
Census Tract	930600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Crisfield Historic District listed 1990 · 260 contributing resources · NRIS 90001018

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

305 Locust St is owned by an individual who bought it in December 2023.

Source: Somerset County records, as of October 6, 2026

Owner of Record	Individual Name on File
Mailing Address	4 HAMMOCK POINTE, CRISFIELD, MD 21817-1646
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2023 · Amount on File
Deed Sale	Dec 29, 2023 · Amount on File
Prior Sale	Jan 8, 2013 · Amount on File
Deed Book / Page	1328 / 187
Record Updated	Oct 29, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET MD
Recording Date	Dec 29, 2023
Property Address	305 LOCUST ST, CRISFIELD, MD 21817-1338
Document Number	0013280187
Book / Page	1328 / 187
Instrument Date	Dec 23, 2023
Transaction Type	Transfer
Record Updated	Jan 22, 2024

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$243.91
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 HAMMOCK POINTE, CRISFIELD, MD 21817-1646
Investor	Possibly a Property Investor

Mortgage

Document Number	0013280191
Date	Dec 29, 2023
Instrument	1328-0191

Lender

Name	KARA RRAB
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate	6%

Tax Assessment & Valuation

The 2026 property tax bill for 305 Locust St was $607, down 46.4% from the year before.

Source: Somerset County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Somerset County
Municipality	Crisfield City
Unified School District	Somerset County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$607.00 (-46.38%)	$54,600	$62,000 Land $17,200 Building $44,800
2025	$1,132.00
2023	$465.00	$41,900	$50,900 Land $17,200 Building $33,700

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

Flood

FEMA maps place 305 Locust St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective February 28, 2019 · 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	5.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 151 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	151 in force
Nearby Flood Claims	221 (1979–2025)
Claims Outside the SFHA	3 of 221
Most Recent Claim	Oct 2025 · tidal / storm surge
Claims by Event	Hurricane Sandy, Nov 2012 · 121 claims Hurricane Isabel, Sep 2003 · 12 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 19 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 305 Locust St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 68% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, based on 338 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20