108 Mitchell St, Saint Michaels, MD 21663 Property Records

Talbot County property record for 108 Mitchell St, Saint Michaels, MD 21663

Property Summary

Property Type	Single Family Home
Details	1 ba · 756 sqft · built 1900
Lot Size	0.044 acres (1,925 sqft)
Owner	2 Individual Names on Record
Last Sale	$95,000 (Mar 2019)
Tax Bill	$1,325 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Oct 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-062402`

Property Details

APN / Parcel Number

Primary APN	`02-062402`
Alternative APNs	`2062402` `062402`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	756 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,925 sqft (0.044 acres)
Lot Dimensions	55 ft deep x 35 ft wide

Utilities, Heating & Cooling

Heating System	Space Heater
Sewer	Connected

Location & Zoning

Account Number	062402
Street Address	108 MITCHELL ST
City	SAINT MICHAELS
State	MD
Zip	21663-2120
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 35X55 S/S MITCHELL ST ST MICHAELS
Jurisdiction	TALBOT MD
Township / Civil Division	2, ST. MICHAELS
Census Block Group	4
Census Block	4000
Census Tract	960700

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	1015 HOPE RIV, BROWNSVILLE, TX 78520-4850
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Oct 18, 2019	Correction Deed, Transfer DISTRICT TITLE
Mar 4, 2019	Grant Deed, Transfer CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2019 · Amount on Record
Deed Sale	Mar 4, 2019 · Amount on Record
Prior Sale	Oct 27, 2005
Deed Book / Page	2597 / 249
Prior Transfer Date	May 1, 2007
Prior Transfer Doc	0015450325
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	108 MITCHELL ST, ST MICHAELS, MD 21663-2120
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027370028
Date	Aug 19, 2020
Book Page	2737/28

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

October 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	TALBOT MD
Recording Date	Oct 18, 2019
Property Address	108 MITCHELL ST, ST MICHAELS, MD 21663-2120
Document Number	0026500236
Book / Page	002650 / 000236
Instrument Date	Oct 11, 2019
Transaction Type	Transfer
Record Updated	Oct 31, 2019
Title Company	DISTRICT TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1311 13TH ST NW #102 WASHINGTON DC 200054555, 102, WASHINGTON, DC 20005-4555

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	TALBOT MD
Recording Date	Mar 4, 2019
Property Address	108 MITCHELL ST, ST MICHAELS, MD 21663-2120
Document Number	0025970249
Book / Page	002597 / 000249
Instrument Date	Feb 28, 2019
Transaction Type	Transfer
Record Updated	Mar 21, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$95.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1311 13TH ST NW #102 WASHINGTON DC 200054555, 102, WASHINGTON, DC 20005-4555

Mortgage

Document Number	25970253
Date	Mar 4, 2019
Book Page	002597/000253

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 3, 2049

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	$1,325.00 (+6.68%)	$104,067 (+4.48%)	$113,000 (+13.45%) Land $49,500 Building $63,500
2025	$1,242.00 (+14.47%)	$99,600 (+10.02%) Land $49,500 Building $50,100	$99,600 (-) Land $49,500 Building $50,100
2023	$1,085.00	$90,533	$99,600 Land $49,500 Building $50,100

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 33 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	5 (2003)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2003 · Hurricane Isabel
Claims by Event	Hurricane Isabel, Sep 2003 · 5 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 95% of the US · lower than 90% 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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