107 E Chestnut St, Saint Michaels, MD 21663 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,024 sqft · built 1880
Lot Size	0.083 acres (3,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$815,000 (Jul 2022)
Tax Bill	$5,815 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-063735`

Property Details

APN / Parcel Number

Primary APN	`02-063735`
Alternative APNs	`2063735` `063735`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,024 sqft Total Area
Utility Area	15 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,600 sqft (0.083 acres)
Lot Dimensions	120 ft deep x 30 ft wide

Exterior Amenities

Porch	Slab
Porch Area	126 sqft
Patio Area	112 sqft
Balcony Area	54 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	063735
Street Address	107 E CHESTNUT ST
City	SAINT MICHAELS
State	MD
Zip	21663
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 30X120 107 N/S CHESTNUT ST ST MICHAELS
Legal Lot Number	107
Jurisdiction	TALBOT MD
Township / Civil Division	2, ST. MICHAELS
Census Block Group	2
Census Block	2043
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 August 18, 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 386, SAINT MICHAELS, MD 21663-0386
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2022 · Amount on Record
Deed Sale	Jul 27, 2022 · Amount on Record
Prior Sale	Nov 23, 2010 · Amount on Record
Deed Book / Page	2992 / 347
Record Updated	Sep 20, 2026

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Jul 27, 2022
Property Address	107 E CHESTNUT ST, ST MICHAELS, MD 21663
Document Number	0029920347
Book / Page	2992 / 347
Instrument Date	Jul 15, 2022
Transaction Type	Transfer
Record Updated	Aug 4, 2022
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	107 E CHESTNUT ST, SAINT MICHAELS, MD 21663

Mortgage

Document Number	0002992355
Date	Jul 27, 2022
Instrument	2992-355

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Talbot County assessment roll, as of August 12, 2025

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		$584,467 (+10.01%)	$690,800 (+30.02%) Land $336,600 Building $354,200
2025	$5,815.00 (+5.48%) Homeowner's exemption	$531,300 (+15.49%) Land $275,000 Building $256,300	$531,300 (-) Land $275,000 Building $256,300
2023	$5,513.00 Homeowner's exemption	$460,033	$531,300 Land $275,000 Building $256,300

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	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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