411 Charles St, Hurlock, MD 21643 Property Records

Dorchester County property record for 411 Charles St, Hurlock, MD 21643

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,489 sqft · built 1955
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on File
Last Sale	$183,500 (Feb 2023)
Tax Bill	$2,322 (2026)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Feb 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`15-000503`

Property Details

APN / Parcel Number

Primary APN	`15-000503`
Alternative APN	`000503`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,489 sqft Total Area

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Siding
Roof Material	Metal
Lot Area	9,000 sqft (0.207 acres)
Garage Type	Attached
Garage Area	378 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	000503
Street Address	411 CHARLES ST
City	HURLOCK
State	MD
Zip	21643-3613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8-9,000 SQ. FT. 411 CHARLES STREET HURLOCK
Legal Subdivision	SUBDIVISION OF THE GEORGE M OSBORNE LAND
Legal Lot Number	8
Jurisdiction	DORCHESTER MD
Township / Civil Division	15, HURLOCK
Census Block Group	4
Census Block	4026
Census Tract	970200

Owner

411 Charles St is owned and occupied by two individuals who bought it in February 2023.

Source: Dorchester County records, as of October 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	411 CHARLES ST, HURLOCK, MD 21643-3613
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2023	Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
Feb 18, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2023 · Amount on File
Deed Sale	Feb 21, 2023 · Amount on File
Prior Sale	Apr 5, 2011
Deed Book / Page	1796 / 322
Prior Transfer Date	Mar 11, 2010
Prior Transfer Doc	0010280082
Record Updated	Oct 29, 2026

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	DORCHESTER MD
Recording Date	Feb 21, 2023
Property Address	411 CHARLES ST, HURLOCK, MD 21643-3613
Document Number	0017960322
Book / Page	1796 / 322
Instrument Date	Feb 16, 2023
Transaction Type	Transfer
Record Updated	Mar 9, 2023
Title Company	NEWLYN TTL ASSURANCE CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$458.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	411 CHARLES ST, HURLOCK, MD 21643-3613

Mortgage

Document Number	0017960330
Date	Feb 21, 2023
Book Page	1796/330

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DORCHESTER MD
Recording Date	Feb 18, 2020
Property Address	411 CHARLES ST, HURLOCK, MD 21643-3613
Document Number	0015620472
Book / Page	001562 / 000472
Instrument Date	Feb 6, 2020
Transaction Type	Transfer
Record Updated	Mar 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	411 CHARLES ST HURLOCK MD 216433613, HURLOCK, MD 21643-3613

Tax Assessment & Valuation

The 2026 property tax bill for 411 Charles St was $2,322, up 7.3% from the year before.

Source: Dorchester County assessment roll, as of October 1, 2026

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	$2,322.00 (+7.3%)	$138,000 (+10.22%)	$150,800 (-) Land $26,500 Building $124,300
2025	$2,164.00	$125,200	$150,800 Land $26,500 Building $124,300
2023	$1,910.00	$106,900	$112,400 Land $26,500 Building $85,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 411 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 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

Wildfire risk around 411 Charles St is low, with a 0.01% annual chance of wildfire.

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.

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 48 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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