107 Carpenter St, Saint Michaels, MD 21663 Property Records

Talbot County property record for 107 Carpenter St, Saint Michaels, MD 21663

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,228 sqft · built 1900
Lot Size	0.083 acres (3,600 sqft)
Owner	Individual Name on Record
Last Sale	$820,000 (Jan 2025)
Tax Bill	$6,758 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-066696`

Property Details

APN / Parcel Number

Primary APN	`02-066696`
Alternative APNs	`2066696` `066696`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,228 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,600 sqft (0.083 acres)
Lot Dimensions	60 ft deep x 60 ft wide
Porch	Slab
Porch Area	90 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	066696
Street Address	107 CARPENTER ST
City	SAINT MICHAELS
State	MD
Zip	21663
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 60X60 N/S CARPENTER ST ST MICHAELS
Legal Lot Number	107
Jurisdiction	TALBOT MD
Township / Civil Division	2, ST. MICHAELS
Census Block Group	2
Census Block	2025
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	Individual Name on Record
Mailing Address	200 CHERRY ST, SAINT MICHAELS, MD 21663
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Mar 27, 2017	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2025 · Amount on Record
Deed Sale	Jan 22, 2025 · Amount on Record
Prior Sale	Mar 27, 2017 · Amount on Record
Deed Book / Page	3163 / 136
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	107 CARPENTER ST, ST MICHAELS, MD 21663
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	EAGLE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029510295
Date	Feb 24, 2022
Book Page	2951/295

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Mar 27, 2017
Property Address	107 CARPENTER ST, ST MICHAELS, MD 21663
Document Number	0024340120
Book / Page	2434 / 120
Map Reference	LB1952 FO430
Instrument Date	Mar 24, 2017
Instrument	2434-120
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	EASTERN SHORE TITLE CO

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	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1218 BAFOURE DIR, ARNOLD, MD 21012

Mortgage

Document Number	0002434124
Date	Mar 27, 2017
Instrument	2434-124

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

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	$6,758.00 (+8.7%)	$530,800 (+16.02%)	$595,000 (+19.31%) Land $217,800 Building $377,200
2025	$6,217.00 (+13.39%)
2023	$5,483.00	$457,500	$498,700 Land $192,500 Building $306,200

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Low lower than 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	0.02% 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 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 311 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

May also be available: T-Mobile.

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