Dorchester County property record for 407 Commerce St, Hurlock, MD 21643
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,328 sqft · built 1972 |
| Lot Size | 0.233 acres (10,150 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $45,000 (Aug 1986) |
| Tax Bill | $2,177 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Aug 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-012293 |
| Primary APN | 15-012293 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,328 sqft Total Area |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,150 sqft (0.233 acres) |
| Lot Dimensions | 145 ft deep x 70 ft wide |
| Porch | Porch |
| Porch Area | 288 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 012293 |
|---|---|
| Street Address | 407 COMMERCE ST |
| City | HURLOCK |
| State | MD |
| Zip | 21643-3546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 115-10,150 SQ FT 407 COMMERCE STREET HURLOCK |
| Legal Subdivision | HURLOCK |
| Legal Lot Number | 115 |
| Jurisdiction | DORCHESTER MD |
| Township / Civil Division | 15, HURLOCK |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 970200 |
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 | 407 COMMERCE ST, HURLOCK, MD 21643-3546 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 12, 2022 | Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Aug 9, 2017 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 1986 · Amount on Record |
| Deed Sale | Aug 21, 1986 · Amount on Record |
| Deed Book / Page | 241 / 25 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Property Address | 407 COMMERCE ST, HURLOCK, MD 21643-3546 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 407 COMMERCE ST, HURLOCK, MD 21643-3546 |
| Document Number | 0017120196 |
|---|---|
| Date | Jan 12, 2022 |
| Book Page | 1712/196 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89074 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Property Address | 407 COMMERCE ST, HURLOCK, MD 21643-3546 |
| Document Number | 0014170367 |
| Book / Page | 001417 / 000367 |
| Instrument Date | Aug 9, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2017 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 407 COMMERCE ST HURLOCK MD 216433546, HURLOCK, MD 21643-3546 |
| Document Number | 0014170367 |
|---|---|
| Date | Aug 22, 2017 |
| Book Page | 001417/000367 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 21, 2047 |
Source: Dorchester County assessment roll, as of August 5, 2025
| 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 | $138,667 (+22.46%) | $148,500 (+24.79%) Land $31,600 Building $116,900 | |
| 2025 | $2,177.00 (+8.15%) Homeowner's exemption | ||
| 2023 | $2,013.00 Homeowner's exemption | $113,233 | $119,000 Land $31,600 Building $87,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% 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.
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 178 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 | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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