516 E Strand, Oxford, MD 21654 Property Records

Talbot County property record for 516 E Strand, Oxford, MD 21654

Property Summary

Property Type	Single Family Home
Details	5.5 ba · 3,055 sqft · built 1980
Lot Size	0.289 acres (12,602 sqft)
Owner	2 Individual Names on File
Last Sale	$2,300,000 (Sep 2020)
Tax Bill	$22,642 (2025)
Deeds & Mortgages	Sep 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-110648`

Property Details

APN / Parcel Number

Primary APN	`03-110648`
Alternative APNs	`3110648` `110648`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,055 sqft Total Area
Basement Area	1,236 sqft
Finished Basement	1,236 sqft
Utility Area	111 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	12,602 sqft (0.289 acres)
View / Lot	Waterfront
Garage Type	Basement
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	526 sqft
Porch	Porch
Porch Area	40 sqft
Deck Area	455 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	110648
Street Address	516 E STRAND
City	OXFORD
State	MD
Zip	21654-1054
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT .2893 AC S/S END OF SETH ST OXFORD
Jurisdiction	TALBOT MD
Township / Civil Division	3, TRAPPE
Census Block Group	2
Census Block	2002
Census Tract	960900

Owner

Source: Talbot County records · APN 03-110648

Assessment roll updated August 12, 2025 · Last verified August 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 File
Mailing Address	PO BOX 45, EASTON, MD 21601-8900
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 16, 2020 · Amount on Record
Deed Sale	Sep 16, 2020 · Amount on Record
Prior Sale	May 16, 2007
Deed Book / Page	2746 / 375
Prior Transfer Date	May 10, 2007
Prior Transfer Doc	0015420379
Record Updated	Sep 20, 2026

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Sep 16, 2020
Property Address	516 E STRAND, OXFORD, MD 21654-1054
Document Number	0027460375
Book / Page	2746 / 375
Map Reference	LB 47 FO 24
Instrument Date	Sep 10, 2020
Transaction Type	Transfer
Record Updated	Aug 29, 2022
Title Company	VENTURE TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Tenants by the Entirety
Address	PO BOX 45, EASTON, MD 21601-8900

Mortgage

Document Number	0002746384
Date	Sep 16, 2020
Instrument	2746/384

Lender

Name	HEBRON SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 10, 2045

Tax Assessment & Valuation

Source: Talbot County records · Assessment roll updated August 12, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,527,200 (+3.77%) Land $1,385,300 Building $1,141,900	$2,527,200 (-) Land $1,385,300 Building $1,141,900
2025	$22,642.00 (+8.64%) Homeowner's exemption	$2,435,467 (+8.15%)	$2,527,200 (+12.22%) Land $1,385,300 Building $1,141,900
2023	$20,842.00 Homeowner's exemption	$2,252,000 Land $1,385,300 Building $866,700	$2,252,000 Land $1,385,300 Building $866,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 15, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 282 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	305 units insured incl. 23 condo units
Nearby Flood Claims	227 (1979–2024)
Claims Outside the SFHA	19 of 227
Most Recent Claim	Oct 2024 · other causes
Claims by Event	Hurricane Sandy, Oct 2012 · 3 claims Hurricane Isabel, Sep 2003 · 128 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 4 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026

Historic District	Within the Oxford Historic District listed 2005 · 206 contributing resources · NRIS 05001481

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Easton Utilities Commission Fiber	1,000 / 125
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Cogeco Cable Holdings II.

Based on FCC filings for 10 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOWN OF OXFORD serves 726 people
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	10 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.