$1,849,000
PENDING

106 E Division St Oxford, MD 21654

Oxford Area

Estimated payment $11,129/month

Total Views 2,851
4 Beds
4 Baths
2,986 Sq Ft
$619 Price per Sq Ft

Highlights

  • 241 Feet of Waterfront
  • Primary bedroom faces the bay
  • Pier
  • White Marsh Elementary School Rated 9+
  • 1 Dock Slip
  • Indoor Pool

About This Home

Simply Sensational! Sunrise views over Town Creek set the tone for this beautifully designed four-bedroom waterfront home, where contemporary architecture meets the warmth of a waterfront cottage.

The main living areas include a formal living room and dining room, each with a fireplace, a bright eat-in kitchen and an inviting family room, where walls of windows frame the water views and fill the home with natural light. Two first-floor bedrooms offer the convenience of main-level living. Upstairs, two ensuite bedrooms open to the second-floor sun deck, including a spacious primary suite with floor-to-ceiling windows overlooking Town Creek.An expansive waterside patio and pool create the perfect setting for relaxing and entertaining. The separate one-bedroom guest house/pool house and detached workshop provide additional space for family, guests, hobbies or a home office.

The private pier, complete with a boat lift and floating dock for kayaks and paddleboards, provides easy access to the Tred Avon River and the Chesapeake Bay. Located in the historic waterfront village of Oxford, this exceptional home captures the beauty, charm and relaxed waterfront lifestyle that define Maryland's Eastern Shore. The property is offered with its furniture allowing for an effortless transition.

Listing Agent

Kathy Christensen

(410) 673-3344 kccamb@gmail.com TTR Sotheby's International Realty Brokerage Phone: 4106733344 License #602735 Listed on: 08/01/2026

TTR Sotheby's International Realty

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $11,716

Year Built

  • Built in 1940

Lot Details

  • 18,255 Sq Ft Lot
  • 241 Feet of Waterfront
  • Home fronts navigable water
  • North Facing Home
  • Extensive Hardscape
  • Secluded Lot
  • Property is in very good condition

Property Views

  • River
  • Creek or Stream

Home Design

  • Coastal Architecture
  • Contemporary Architecture
  • Cottage
  • Studio
  • Block Foundation
  • Composition Roof
  • Aluminum Siding
  • Vinyl Siding
  • Chimney Cap

Interior Spaces

  • 2,986 Sq Ft Home
  • Property has 2 Levels
  • Traditional Floor Plan
  • Furnished
  • Built-In Features
  • Chair Railings
  • Vaulted Ceiling
  • Ceiling Fan
  • 2 Fireplaces
  • Wood Burning Fireplace
  • Gas Fireplace
  • Double Pane Windows
  • Vinyl Clad Windows
  • Insulated Windows
  • Window Treatments
  • Casement Windows
  • Window Screens
  • Sliding Doors
  • Entrance Foyer
  • Family Room
  • Living Room
  • Formal Dining Room
  • Attic

Kitchen

  • Eat-In Gourmet Kitchen
  • Breakfast Area or Nook
  • Double Self-Cleaning Oven
  • Electric Oven or Range
  • Built-In Range
  • Range Hood
  • Built-In Microwave
  • Ice Maker
  • Dishwasher
  • Stainless Steel Appliances
  • Upgraded Countertops
  • Disposal

Flooring

  • Wood
  • Carpet
  • Ceramic Tile

Bedrooms and Bathrooms

  • Primary bedroom faces the bay
  • En-Suite Bathroom
  • Walk-In Closet
  • Bathtub with Shower
  • Walk-in Shower

Laundry

  • Laundry on main level
  • Electric Dryer
  • Washer

Home Security

  • Storm Doors
  • Flood Lights

Parking

  • 5 Parking Spaces
  • 2 Driveway Spaces
  • 1 Attached Carport Space
  • Gravel Driveway

Pool

  • Indoor Pool
  • Cabana

Outdoor Features

  • Pier
  • Access to Tidal Water
  • Canoe or Kayak Water Access
  • Private Water Access
  • River Nearby
  • Rip-Rap
  • Electric Hoist or Boat Lift
  • 1 Dock Slip
  • Physical Dock Slip Conveys
  • Stream or River on Lot
  • 1 Powered Boats Permitted
  • 1 Non-Powered Boats Permitted
  • Balcony
  • Rooftop Deck
  • Patio
  • Exterior Lighting
  • Shed
  • Outbuilding
  • Awning

Utilities

  • Central Air
  • Heat Pump System
  • Vented Exhaust Fan
  • 200+ Amp Service
  • Electric Water Heater
  • Municipal Trash

Additional Features

  • Level Entry For Accessibility
  • Flood Risk

Listing and Financial Details

  • Assessor Parcel Number 2103117782

Community Details

Overview

  • No Home Owners Association
  • Oxford Subdivision

Recreation

  • Fishing Allowed

Home Details

Home Type

Single Family

Est. Annual Taxes

$11,716

Year Built

Built in 1940

Lot Details

0.42 Acres

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Contemporary, Coastal, Cottage
  • Accessibility Features: Level Entry - Main
  • Ownership: Fee Simple
  • Exclusions: artwork, personal items
  • Inclusions: most of the furniture
  • New Construction: No
  • Story List: Main, Upper 1
  • Expected On Market: 8/1/2026 12:00:00 AM
  • Federal Flood Zone: Yes
  • Year Built: 1940
  • Automatically Close On Close Date: No
  • Special Features: VirtualTour
  • Property Sub Type: Detached

Interior Features

  • Appliances: Built-In Microwave, Built-In Range, Dishwasher, Disposal, Dryer - Electric, Exhaust Fan, Icemaker, Microwave, Oven - Double, Oven - Self Cleaning, Oven/Range - Electric, Range Hood, Refrigerator, Stainless Steel Appliances, Washer, Water Heater
  • Flooring Type: Ceramic Tile, Hardwood, Wood
  • Interior Amenities: Attic, Bathroom - Stall Shower, Bathroom - Tub Shower, Breakfast Area, Chair Railings, Floor Plan - Traditional, Formal/Separate Dining Room, Kitchen - Gourmet, Walk-In Closet(s), Window Treatments, Bathroom - Walk-In Shower, Built-Ins, Carpet, Entry Level Bedroom, Kitchen - Table Space, Primary Bath(s), Primary Bedroom - Bay Front, Studio, Upgraded Countertops
  • Window Features: Casement, Double Pane, Insulated, Screens, Vinyl Clad
  • Fireplace Features: Gas/Propane, Wood
  • Fireplaces Count: 2
  • Fireplace: Yes
  • Door Features: Sliding Glass, Storm
  • Wall Ceiling Types: Vaulted Ceilings
  • Foundation Details: Block
  • Levels Count: 2
  • Room List: Living Room, Dining Room, Primary Bedroom, Bedroom 2, Bedroom 4, Kitchen, Family Room, Foyer, Bathroom 1, Primary Bathroom, Full Bath
  • Basement: No
  • Laundry Type: Main Floor
  • Total Sq Ft: 2986
  • Living Area Sq Ft: 2986
  • Price Per Sq Ft: 619.22
  • Above Grade Finished Sq Ft: 2986
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

  • Bedrooms: 4
  • Main Level Bedrooms: 2
  • Total Bathrooms: 4
  • Full Bathrooms: 4
  • Main Level Bathrooms: 2.00
  • Upper Level Bathrooms: 2
  • Upper Level Bathrooms: 2.00
  • Main Level Full Bathrooms: 2

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Other Structures List: Cabana/Pool House, Shed Shop
  • Construction Materials: Aluminum Siding, Vinyl Siding
  • Exterior Features: Awning(s), Chimney Cap(s), Extensive Hardscape, Exterior Lighting, Flood Lights, Outbuilding(s), Roof Deck
  • Pool Features: Indoor
  • Road Surface Type: Paved
  • Roof: Composite
  • View: Water, River, Creek/Stream
  • Water Access Features: Boat - Powered, Canoe/Kayak, Fishing Allowed, Private Access
  • Water Access: Yes
  • Water Body Name: Tred Avon River and Town Creek
  • Water Body Type: River
  • Waterfront: Yes
  • Water Oriented: Yes
  • Pool: Yes - Personal
  • Tidal Water: Yes
  • Water View: Yes
  • Water Frontage In Feet: 241

Garage/Parking

  • Garage: No
  • Parking Features: Gravel Driveway
  • Attached Carport Spaces: 1
  • Total Garage And Parking Spaces: 5
  • Type Of Parking: Attached Carport, Driveway, Off Street
  • Number of Spaces in Driveway: 2
  • Off Street Parking Spaces: 2

Utilities

  • Central Air Conditioning: Yes
  • Cooling Fuel: Electric
  • Cooling Type: Ceiling Fan(s), Central A/C, Heat Pump(s)
  • Electric Service: 200+ Amp Service
  • Heating Fuel: Electric
  • Heating Type: Heat Pump(s)
  • Heating: Yes
  • Hot Water: Electric
  • Sewer/Septic System: Public Sewer
  • Water Source: Public
  • Municipal Trash: Yes

Condo/Co-op/Association

  • Condo Co-Op Association: No
  • HOA: No
  • Senior Community: No

Schools

  • School District Source: Listing Agent

Lot Info

  • Lot Features: Stream/Creek, Rip-Rapped, Secluded
  • Lot Size Acres: 0.42
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 18255.00
  • Outdoor Living Structures: Patio(s), Balcony
  • Property Condition: Very Good
  • Zoning: R
  • In City Limits: Yes

Rental Info

  • Furnished: Yes
  • Vacation Rental: No

Tax Info

  • Tax Annual Amount: 11716.00
  • Assessor Parcel Number: 2103117782
  • County Tax Payment Frequency: Annually
  • Tax Year: 2025

Multi Family

  • Federal Flood Zone: AE
  • Waterfront Features: Private Dock Site, Rip-Rap

MLS Schools

  • School District Name: TALBOT COUNTY PUBLIC SCHOOLS

Map

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2026 $11,611 $1,080,600 $673,600 $407,000
2025 $11,611 $1,048,700 $0 $0
2024 $11,135 $1,016,800 $0 $0
2023 $10,322 $984,900 $673,600 $311,300
2022 $9,723 $984,900 $673,600 $311,300
2021 $9,461 $984,900 $673,600 $311,300
2020 $9,357 $1,008,700 $714,100 $294,600
2019 $8,686 $936,367 $0 $0
2018 $7,826 $864,033 $0 $0
2017 $6,855 $791,700 $0 $0
2016 $6,484 $791,700 $0 $0
2015 $6,181 $791,700 $0 $0
2014 $6,181 $880,600 $0 $0
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft Prior Sale
08/05/2026 08/05/26 Pending -- -- --
08/01/2026 08/01/26 For Sale $1,849,000 +13.8% $619 / Sq Ft
05/05/2026 05/05/26 Sold $1,625,000 -4.1% $544 / Sq Ft View Prior Sale
04/13/2026 04/13/26 For Sale $1,695,000 -- $568 / Sq Ft
Source: Bright MLS

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Deed $1,625,000 Eastern Shore Title
Deed $1,125,000 Eastern Shore Title Company
Deed $785,000 --
Deed -- --
Deed $235,000 --
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Closed $900,000 Adjustable Rate Mortgage/ARM
Previous Owner $704,000 Adjustable Rate Mortgage/ARM
Previous Owner $640,000 Stand Alone Second
Previous Owner $646,000 Unknown
Source: Public Records

Source: Bright MLS

MLS Number: MDTA2014626

Bright MLS

APN: 03-117782

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