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309 Tilghman St, Oxford, MD 21654 Property Records

Talbot County property record for 309 Tilghman St, Oxford, MD 21654

Property Summary

Property TypeSingle Family Home
Details2.5 ba · 1,920 sqft · built 1990
Lot Size0.152 acres (6,600 sqft)
Owner2 Individual Names on Record
Last Sale$546,500 (Dec 2021)
Tax Bill$5,004 (2026)
Deeds & MortgagesDec 2021 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN03-108724

Property Details

APN / Parcel Number

Primary APN03-108724
Alternative APNs
  • 3108724
  • 108724

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,920 sqft Total Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1990
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area6,600 sqft (0.152 acres)
Lot Dimensions120 ft deep x 55 ft wide
PorchSlab
Porch Area132 sqft
Deck Area216 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
SewerConnected

Location & Zoning

Account Number108724
Street Address309 TILGHMAN ST
CityOXFORD
StateMD
Zip21654-1033
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 55X120 N/S TILGHMAN ST OXFORD
Legal SubdivisionLAND OF STEVEN B GIBSON
JurisdictionTALBOT MD
Township / Civil Division3, TRAPPE
Census Block Group2
Census Block2026
Census Tract960900

Historic Designation

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

Historic DistrictWithin 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 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 Record2 Individual Names on Record
Mailing Address309 TILGHMAN ST, OXFORD, MD 21654-1033
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 16, 2021 · Amount on Record
Deed SaleDec 16, 2021 · Amount on Record
Prior SaleAug 21, 2012 · Amount on Record
Deed Book / Page2930 / 330
Prior Transfer DateMay 11, 1987
Prior Transfer Doc0632000933
Record UpdatedOct 29, 2026

December 2021: Deed, Transfer

Document TypeDeed
JurisdictionTALBOT MD
Recording DateDec 16, 2021
Property Address309 TILGHMAN ST, OXFORD, MD 21654-1033
Document Number0029300330
Book / Page2930 / 330
Map ReferenceLB 74 FO 50
Instrument DateDec 15, 2021
Transaction TypeTransfer
Record UpdatedMay 3, 2022
Title CompanyEASTERN MT TITLE COMPANY, EASTERN SHORE TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address309 TILGHMAN ST, OXFORD, MD 21654-1033

Mortgage

Document Number0002930335
DateDec 16, 2021
Instrument2930/335
Lender
NameBAY CAPITAL MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2052
Interest
Index3-Month LIBOR

Tax Assessment & Valuation

Source: Talbot County assessment roll, as of September 29, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyTalbot County
MunicipalityOxford Town
Unified School DistrictTalbot County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$5,004.00 (+15.75%)$446,100 (+59.84%) Land $129,100 Building $317,000$446,100 (+59.84%) Land $129,100 Building $317,000
2025$4,323.00 (+46.49%)
2023$2,951.00$279,100 Land $97,800 Building $181,300$279,100 Land $97,800 Building $181,300

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation4.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 282 individual policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies305 units insured
incl. 23 condo units
Nearby Flood Claims227 (1979–2024)
Claims Outside the SFHA19 of 227
Most Recent ClaimOct 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 RiskNot 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 SystemTOWN OF OXFORD
serves 726 people · EPA ID MD0200005
Water SourceGroundwater
Last State InspectionApr 2025
Lead10 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax Down / Up (Mbps)
Breezeline
Cable		1,000 / 50
T-Mobile
Fixed Wireless		100 / 20

May also be available: Verizon.

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