$1,625,000
SOLD MAY 5, 2026

106 E Division St Oxford, MD 21654

4 Beds
4 Baths
2,986 Sq Ft
0.42 Acres Lot

Sale Details

Date Sold: May 5, 2026

$544 Per Sq Ft

4% Below List Price

1 Day on Market

Highlights

  • 241 Feet of Waterfront
  • 1 Dock Slip
  • Guest House
  • White Marsh Elementary School Rated 9+
  • Pier
  • Concrete Pool

About This Home

As of May 2026

Oxford Cove – A truly rare offering, this extraordinary waterfront property is a study in serenity, privilege, and timeless eastern shore beauty. Surrounded by sweeping, uninterrupted water views to the south and east, the property captures the beautiful sunrise, immersing you in the everchanging light and rhythm of the tides.
The main residence- graciously scaled with four bedrooms-embraces a refined yet relaxed aesthetic, designed for effortless living and seamless indoor-outdoor flow. Expansive terrace with a waterside pool, creates an idyllic setting for both quiet reflection and elegant entertaining.
A charming one bedroom guest house/pool house offers a private haven for visitors, while a separate workshop provides space for creativity or collection. For the avid mariner, the property is exceptionally equipped with a private pier with a boat lift and a floating dock for kayaks and canoes- delivering immediate access to the finest waters of the Chesapeake Bay.
Set in the historic village of Oxford,, one of the Eastern Shore’s most treasured enclaves, “Oxford Cove” offers a rare balance of seclusion and proximity. Here, life is defined by understated luxury, natural beauty, and the enduring allure of the waterfront.

Last Agent to Sell the Property

Ray Stevens

(410) 822-1415 info@bensonandmangold.com Benson & Mangold, LLC Brokerage Phone: 4108221415 License #31531 Listed on: 04/13/2026

Benson & Mangold, LLC

Last Buyer's Agent

Kathy Christensen

(410) 673-3344 kccamb@gmail.com TTR Sotheby's International Realty License #602735

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 excellent condition

Home Design

  • Contemporary Architecture
  • Traditional Architecture
  • Block Foundation
  • Composition Roof
  • Aluminum Siding
  • Vinyl Siding
  • Chimney Cap

Interior Spaces

  • 2,986 Sq Ft Home
  • Property has 2 Levels
  • Traditional Floor Plan
  • 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
  • Creek or Stream Views
  • Attic

Kitchen

  • 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
  • Disposal

Flooring

  • Wood
  • Ceramic Tile

Bedrooms and Bathrooms

  • Walk-In Closet
  • Bathtub with Shower
  • Walk-in Shower

Laundry

  • Laundry on main level
  • Electric Dryer
  • Washer

Home Security

  • Storm Doors
  • Flood Lights

Parking

  • 1 Parking Space
  • 1 Attached Carport Space
  • Gravel Driveway
  • Off-Street Parking

Pool

  • Concrete Pool
  • In Ground Pool

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
  • Deck
  • Patio
  • Exterior Lighting
  • Outbuilding
  • Awning

Utilities

  • 90% Forced Air Heating and Cooling System
  • Heat Pump System
  • Back Up Electric Heat Pump System
  • Vented Exhaust Fan
  • 200+ Amp Service
  • Propane
  • Electric Water Heater

Additional Features

  • Level Entry For Accessibility
  • Guest House
  • 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, Traditional
  • Accessibility Features: Level Entry - Main
  • Ownership: Fee Simple
  • New Construction: No
  • Story List: Main, Upper 1
  • 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, Ceiling Fan(s), Chair Railings, Floor Plan - Traditional, Formal/Separate Dining Room, Kitchen - Gourmet, Walk-In Closet(s), Window Treatments, Wood Floors
  • 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: 567.65
  • 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: Guest House
  • Construction Materials: Aluminum Siding, Vinyl Siding
  • Exterior Features: Awning(s), Chimney Cap(s), Extensive Hardscape, Exterior Lighting, Flood Lights, Outbuilding(s)
  • Pool Features: Concrete, In Ground
  • Road Surface Type: Paved
  • Roof: Composite
  • View: 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: 1
  • Type Of Parking: Attached Carport, Driveway, Off Street

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: 90% Forced Air, Heat Pump - Electric Backup
  • Heating: Yes
  • Hot Water: Electric
  • Sewer/Septic System: Public Sewer
  • Utilities: Propane
  • Water Source: Public
  • Internet Services: Cable

Condo/Co-op/Association

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

Schools

  • School District Source: Listing Agent

Lot Info

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

Rental Info

  • 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

Ownership 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 Name Owned For Owner Type

Purchase Details

Listed on
Apr 13, 2026
Closed on
May 1, 2026
Sold by
Bought by
Seller's Agent
Ray Stevens
Benson & Mangold, LLC
Buyer's Agent
Kathy Christensen
TTR Sotheby's International Realty
List Price
$1,695,000
Sold Price
$1,625,000
Premium/Discount to List
-$70,000
-4.13%
Views
27

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
15.01%

Purchase Details

Listed on
Jun 16, 2015
Closed on
Sep 4, 2015
Sold by
Bought by
Seller's Agent
Barbara Watkins
Benson & Mangold, LLC
Buyer's Agent
Ray Stevens
Benson & Mangold, LLC
List Price
$1,195,000
Sold Price
$1,125,000
Premium/Discount to List
-$70,000
-5.86%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
3.51%
Original Mortgage
$900,000
Interest Rate
3.37%
Mortgage Type
Adjustable Rate Mortgage/ARM

Purchase Details

Closed on
Sep 5, 2003
Sold by
Bought by

Purchase Details

Closed on
Jan 5, 2001
Sold by
Bought by

Purchase Details

Closed on
Dec 31, 1990
Sold by
Bought by

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$135,000
Interest Rate
9.68%
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

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
Previous Owner $900,000 Adjustable Rate Mortgage/ARM
Previous Owner $135,000 No Value Available
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
05/05/2026 05/05/26 Sold $1,625,000 -4.1% $544 / Sq Ft
04/13/2026 04/13/26 For Sale $1,695,000 +50.7% $568 / Sq Ft
09/04/2015 09/04/15 Sold $1,125,000 -5.9% $485 / Sq Ft View Prior Sale
07/22/2015 07/22/15 Pending -- -- --
06/16/2015 06/16/15 For Sale $1,195,000 -- $516 / Sq Ft
Source: Bright MLS

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
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

Agents Affiliated with this Home

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Map

Source: Bright MLS

MLS Number: MDTA2013470

Bright MLS

APN: 03-117782

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