Dorchester County property record for 312 Charles St, Hurlock, MD 21643
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,616 sqft · built 1930 |
| Lot Size | 0.335 acres (14,608 sqft) |
| Owner | Individual Name on File |
| Last Sale | $209,000 (Jan 2026) |
| Tax Bill | $1,910 (2026) |
| Deeds & Mortgages | Dec 2024 Mortgage Jan 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-007966 |
| Primary APN | 15-007966 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,616 sqft Total Area |
| Attic | Attic |
| Attic Area | 300 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 14,608 sqft (0.335 acres) |
| Porch | Slab |
| Porch Area | 240 sqft |
| Patio Area | 800 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Sewer | Connected |
| Account Number | 007966 |
|---|---|
| Street Address | 312 CHARLES ST |
| City | HURLOCK |
| State | MD |
| Zip | 21643-3430 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 14,608 SQ. FT. 312 CHARLES STREET HURLOCK |
| Legal Lot Number | 25,26 |
| Jurisdiction | DORCHESTER MD |
| Township / Civil Division | 15, HURLOCK |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 970200 |
312 Charles St is owned and occupied by an individual who bought it in January 2026.
Source: Dorchester County records, as of October 1, 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 | Individual Name on File |
|---|---|
| Mailing Address | 312 CHARLES ST, HURLOCK, MD 21643-3430 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Dec 23, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jan 23, 2026 | Deed, Transfer · FHA Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 23, 2026 · Amount on File |
| Deed Sale | Jan 23, 2026 · Amount on File |
| Prior Sale | Sep 13, 2016 · Amount on File |
| Deed Book / Page | 1993 / 218 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Property Address | 312 CHARLES ST, HURLOCK, MD 21643-3430 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2026 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 312 CHARLES ST, HURLOCK, MD 21643-3430 |
| Document Number | 0019180293 |
|---|---|
| Date | Dec 23, 2024 |
| Book Page | 1918/293 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Recording Date | Jan 23, 2026 |
| Property Address | 312 CHARLES ST, HURLOCK, MD 21643-3430 |
| Document Number | 0019930218 |
| Book / Page | 1993 / 218 |
| Instrument Date | Jan 14, 2026 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2026 |
| Title Company | COMMUNITY TITLE NETWORK LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $522.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 312 CHARLES ST, HURLOCK, MD 21643-3430 |
| Document Number | 0001993227 |
|---|---|
| Date | Jan 23, 2026 |
| Instrument | 1993/227 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Number | 0019930248 |
|---|---|
| Date | Jan 23, 2026 |
| Book Page | 1993/248 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 312 Charles St was $1,910, up 4.1% from the year before.
Source: Dorchester County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Dorchester County |
| Municipality | Hurlock Town |
| Unified School District | Dorchester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,910.00 (+4.09%) | $113,500 (+6.87%) | $120,800 (-) Land $27,000 Building $93,800 |
| 2025 | $1,835.00 | $106,200 | $120,800 Land $27,000 Building $93,800 |
| 2023 | $1,679.00 | $93,933 | $98,900 Land $27,000 Building $71,900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 312 Charles St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 10, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 risk around 312 Charles 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF HURLOCK serves 2,150 people · EPA ID MD0090005 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 7 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| 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.
Source: FCC Broadband Data Collection, based on 185 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 1,200 / 35 |
| Bay Country Communications Cable | 100 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
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