Dorchester County property record for 408 Commerce St, Hurlock, MD 21643
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,020 sqft · built 1972 |
| Lot Size | 0.297 acres (12,943 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $195,000 (Oct 2023) |
| Tax Bill | $2,089 (2026) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-012196 |
| Primary APN | 15-012196 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,020 sqft Total Area |
| Attic | Attic |
| Attic Area | 400 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 12,943 sqft (0.297 acres) |
| Lot Dimensions | 147 ft deep x 87 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 012196 |
|---|---|
| Street Address | 408 COMMERCE ST |
| City | HURLOCK |
| State | MD |
| Zip | 21643-3545 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 107-12,943 SQ FT 408 COMMERCE STREET HURLOCK |
| Legal Lot Number | 107 |
| Jurisdiction | DORCHESTER MD |
| Township / Civil Division | 15, HURLOCK |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 970200 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 408 COMMERCE ST, HURLOCK, MD 21643-3545 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 30, 2023 · Amount on Record |
| Deed Sale | Oct 30, 2023 · Amount on Record |
| Prior Sale | Jan 26, 2007 · Amount on Record |
| Deed Book / Page | 1841 / 326 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Recording Date | Oct 30, 2023 |
| Property Address | 408 COMMERCE ST, HURLOCK, MD 21643-3545 |
| Document Number | 0018410326 |
| Book / Page | 1841 / 326 |
| Map Reference | LB8 FO 100 |
| Instrument Date | Sep 22, 2023 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2023 |
| Title Company | THE ATLANTIC TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $487.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 408 COMMERCE ST, HURLOCK, MD 21643-3545 |
| Document Number | 0001841352 |
|---|---|
| Date | Oct 30, 2023 |
| Instrument | 1841-352 |
| Name | MARYLAND DEPT OF HOUSING & COMMUNIT |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 0018410332 |
|---|---|
| Date | Oct 30, 2023 |
| Book Page | 1841/332 |
| Name | CAPITAL BANK NA |
|---|---|
| Type | Bank |
| Address | ROCKVILLE, MD 20850 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2053 |
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 | $2,089.00 (+4.35%) Homeowner's exemption | $145,600 (+41.82%) | $164,400 (+52.22%) Land $31,800 Building $132,600 |
| 2025 | $2,002.00 (+9.1%) Homeowner's exemption | ||
| 2023 | $1,835.00 | $102,667 | $108,000 Land $31,800 Building $76,200 |
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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