400 Academy St, Hurlock, MD 21643 Property Records

Dorchester County property record for 400 Academy St, Hurlock, MD 21643

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,576 sqft · built 1920
Lot Size	0.272 acres (11,850 sqft)
Owner	2 Individual Names on Record
Last Sale	$202,000 (Mar 2021)
Tax Bill	$3,866 (2025)
Deeds & Mortgages	May 2026 Line of Credit Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-007583`

Property Details

APN / Parcel Number

Primary APN	`15-007583`
Alternative APN	`007583`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,576 sqft Total Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,850 sqft (0.272 acres)
Lot Dimensions	197 ft deep x 60 ft wide
Porch	Slab
Porch Area	154 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	007583
Street Address	400 ACADEMY ST
City	HURLOCK
State	MD
Zip	21643-3402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 11,850 SQ. FT. 400 ACADEMY STREET HURLOCK
Legal Subdivision	TOWN OF HURLOCK
Jurisdiction	DORCHESTER MD
Township / Civil Division	15, HURLOCK
Census Block Group	2
Census Block	2067
Census Tract	970200

Owner

Source: Dorchester 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	400 ACADEMY ST, HURLOCK, MD 21643-3402
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Mar 10, 2021	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2021 · Amount on Record
Deed Sale	Mar 10, 2021 · Amount on Record
Prior Sale	Feb 18, 2016 · Amount on Record
Deed Book / Page	1633 / 111
Prior Transfer Date	Jan 24, 2014
Prior Transfer Doc	0011900278
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DORCHESTER MD
Recording Date	May 12, 2026
Property Address	400 ACADEMY ST, HURLOCK, MD 21643-3402
Document Number	2013000377
Book / Page	2013 / 377
Instrument Date	May 5, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	400 ACADEMY ST, HURLOCK, MD 21643-3402

Mortgage

Document Number	2013000377,
Date	May 12, 2026
Book Page	2013/377

Lender

Name	LENDAGE LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2036

Interest

Rate	6.37%
Max Rate	-1%

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Mar 10, 2021
Property Address	400 ACADEMY ST, HURLOCK, MD 21643-3402
Document Number	0016330111
Book / Page	1633 / 111
Instrument Date	Mar 3, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	CAMBRIDGE TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	400 ACADEMY ST, HURLOCK, MD 21643-3402

Mortgage

Document Number	0001633116
Date	Mar 10, 2021
Instrument	1633/116

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

Source: Dorchester County assessment roll, as of August 5, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Dorchester County
Municipality	Hurlock Town
Unified School District	Dorchester County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$239,333 (+7%)	$255,000 (-) Land $26,700 Building $228,300
2025	$3,866.00 (+13.31%)	$223,667 (+17.16%)	$255,000 (+22.6%) Land $26,700 Building $228,300
2023	$3,412.00	$190,900	$208,000 Land $26,700 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 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
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	12 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

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	0.01% 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 109 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Bay Country Communications.

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