Dorchester County property record for 406 Charles St, Hurlock, MD 21643
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,248 sqft · built 2025 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $249,900 (Jul 2026) |
| Tax Bill | $3,719 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Sep 2025 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-009101 |
| Primary APN | 15-009101 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,248 sqft Total Area |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 009101 |
|---|---|
| Street Address | 406 CHARLES ST |
| City | HURLOCK |
| State | MD |
| Zip | 21643-3612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 10,890 SQ. FT. 406 CHARLES STREET HURLOCK |
| Jurisdiction | DORCHESTER MD |
| Township / Civil Division | 15, HURLOCK |
| Census Block Group | 3 |
| Census Block | 3036 |
| Census Tract | 970200 |
406 Charles St is owned and occupied by two individuals who bought it in July 2026.
Source: Dorchester County records, as of October 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 406 CHARLES ST, HURLOCK, MD 21643-3612 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Jul 20, 2026 | Deed, Transfer · FHA Mortgage NFM LENDING |
| Sep 15, 2025 | Deed, Transfer BRIDGE TITLE COMPANY LLC, CAMBRIDGE TITLE COMPANY LLC |
| Mar 25, 2022 | Deed, Transfer NOT AVAILABLE, EVANS TITLE LLC |
| Mar 30, 2022 | Deed, Transfer NOT AVAILABLE, EVANS TITLE LLC |
| Jun 27, 2022 | Deed, Transfer NOT AVAILABLE, EVANS TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2026 · Amount on File |
| Deed Sale | Jul 20, 2026 · Amount on File |
| Prior Sale | Sep 15, 2025 · Amount on File |
| Deed Book / Page | 2028 / 72 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Recording Date | Jul 20, 2026 |
| Property Address | 406 CHARLES ST, HURLOCK, MD 21643-3612 |
| Document Number | 2028000072 |
| Book / Page | 2028 / 72 |
| Instrument Date | Jul 1, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2026 |
| Title Company | COMMUNITY TITLE, COMMUNITY TITLE NETWORK |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $252,399.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 406 CHARLES ST, HURLOCK, MD 21643-3612 |
| Document Number | 2028000081, |
|---|---|
| Date | Jul 20, 2026 |
| Book Page | 2028/81 |
| Name | NFM LENDING |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Number | 2028000101, |
|---|---|
| Date | Jul 20, 2026 |
| Book Page | 2028/101 |
| Name | DEPARTMENT OF HOUSING AND COM |
|---|
| Amount | Amount on Record |
|---|
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Recording Date | Sep 15, 2025 |
| Property Address | 406 CHARLES ST, HURLOCK, MD 21643-3612 |
| Document Number | 0019650151 |
| Book / Page | 1965 / 151 |
| Map Reference | LB 1753 PG 235 |
| Instrument Date | Sep 12, 2025 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2025 |
| Title Company | BRIDGE TITLE COMPANY LLC, CAMBRIDGE TITLE COMPANY LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $149.99 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 310, SECRETARY, MD 21664-0310 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Recording Date | Mar 25, 2022 |
| Property Address | 406 CHARLES ST, HURLOCK, MD 21643-3612 |
| Document Number | 0017280459 |
| Book / Page | 1728 / 459 |
| Instrument Date | Mar 24, 2022 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2022 |
| Title Company | NOT AVAILABLE, EVANS TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 408 S MAIN ST, 408, HURLOCK, MD 21643-3616 |
| Name | Verified Name |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Recording Date | Mar 30, 2022 |
| Property Address | 406 CHARLES ST, HURLOCK, MD 21643-3612 |
| Document Number | 0017300325 |
| Book / Page | 1730 / 325 |
| Instrument Date | Mar 24, 2022 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2022 |
| Title Company | NOT AVAILABLE, EVANS TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4199 OSBORNE RD, HURLOCK, MD 21643-3001 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Recording Date | Jun 27, 2022 |
| Property Address | 406 CHARLES ST, HURLOCK, MD 21643-3612 |
| Document Number | 0017500363 |
| Book / Page | 1750 / 363 |
| Map Reference | LB JFD 20 FO 301 |
| Instrument Date | Mar 24, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2022 |
| Title Company | NOT AVAILABLE, EVANS TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4199 OSBORNE RD, HURLOCK, MD 21643-3001 |
The 2026 property tax bill for 406 Charles St was $3,719, up 813.8% 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 | $3,719.00 (+813.76%) | $221,000 (+836.44%) | $238,700 (+911.44%) Land $26,600 Building $212,100 |
| 2025 | $407.00 | $23,600 Land $23,600 | $23,600 Land $23,600 |
| 2023 | $392.00 | $21,933 | $23,600 Land $23,600 |
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 406 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 406 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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