105 E Chew Ave, Saint Michaels, MD 21663 Property Records

Talbot County property record for 105 E Chew Ave, Saint Michaels, MD 21663

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,473 sqft · built 1900
Lot Size	0.083 acres (3,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Jan 1998)
Tax Bill	$7,112 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-064847`

Property Details

APN / Parcel Number

Primary APN	`02-064847`
Alternative APNs	`2064847` `064847`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,703 sqft Total Area
Utility Area	150 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	3,600 sqft (0.083 acres)
Lot Dimensions	120 ft deep x 30 ft wide
Porch	Slab
Porch Area	220 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	064847
Street Address	105 E CHEW AVE
City	SAINT MICHAELS
State	MD
Zip	21663-2959
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 30X120 N/S CHEW AVE ST MICHAELS
Legal Lot Number	105
Jurisdiction	TALBOT MD
Township / Civil Division	2, ST. MICHAELS
Census Block Group	2
Census Block	2020
Census Tract	960700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the St. Michaels Historic District listed 1986 · 300 contributing resources · NRIS 86002427

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

Owner

Source: Talbot County records, as of September 29, 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 Record
Mailing Address	PO BOX 852, SAINT MICHAELS, MD 21663-0852
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Apr 7, 2022	Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 1998 · Amount on Record
Deed Sale	Jan 12, 1998 · Amount on Record
Prior Sale	Oct 15, 1996 · Amount on Record
Deed Document Number	199850
Deed Book / Page	876 / 535
Transfer Doc	0000001561
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	105 E CHEW AVE, ST MICHAELS, MD 21663
Transaction Type	Mortgage
Record Updated	Dec 30, 2025
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 E CHEW AVE, SAINT MICHAELS, MD 21663

Mortgage

Document Number	0032280110
Date	Dec 3, 2025
Book Page	3228/110

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Apr 7, 2022
Property Address	105 E CHEW AVE, ST MICHAELS, MD 21663
Document Number	0029640403
Book / Page	2964 / 403
Instrument Date	Apr 4, 2022
Transaction Type	Transfer
Record Updated	Sep 19, 2023
Title Company	NOT AVAILABLE, VENTURE TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	105 E CHEW AVE, SAINT MICHAELS, MD 21663

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 LAKESIDE DR, ARNOLD, MD 21012-1229

Mortgage

Document Number	0002964408
Date	Apr 7, 2022
Instrument	2964/408

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

Source: Talbot County assessment roll, as of September 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,112.00 (+136.75%) Homeowner's exemption	$610,300 (+141.23%)	$697,300 (+175.61%) Land $257,400 Building $439,900
2025	$3,004.00 (-38.29%) Homeowner's exemption	$253,000 (-37.72%) Land $253,000	$253,000 (-41.52%) Land $253,000
2023	$4,868.00	$406,200	$432,600 Land $253,000 Building $179,600

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · 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
Flood Insurance Cost	Premium on Record median of 132 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	140 units insured incl. 8 condo units
Nearby Flood Claims	42 (1978–2024)
Claims Outside the SFHA	13 of 42
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 18 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 TRAPPE serves 1,200 people · EPA ID MD0200007
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 307 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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