200 Cherry St, Saint Michaels, MD 21663 Property Records

Talbot County property record for 200 Cherry St, Saint Michaels, MD 21663

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,254 sqft · built 1799
Lot Size	0.139 acres (6,043 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,850,000 (Nov 2021)
Tax Bill	$20,274 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-065355`

Property Details

APN / Parcel Number

Primary APN	`02-065355`
Alternative APNs	`2065355` `065355`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,254 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1799
Effective Year Built	Effective 1799
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,043 sqft (0.139 acres)
Lot Dimensions	81 ft deep x 67 ft wide
Garage Type	Detached
Garage Area	323 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	304 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	065355
Street Address	200 CHERRY ST
City	SAINT MICHAELS
State	MD
Zip	21663
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 67 - 6,043 SQ FT S/S CHERRY ST ST MICHAELS
Legal Lot Number	67
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	2 Individual Names on Record
Mailing Address	PO BOX W, SAINT MICHAELS, MD 21663-0690
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2022	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA
Nov 1, 2021	Deed, Transfer · Stand-Alone First Mortgage JANET F SCHILLING ETAL
Jun 25, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2021 · Amount on Record
Deed Sale	Nov 1, 2021 · Amount on Record
Prior Sale	Oct 4, 2011
Deed Book / Page	2912 / 102
Prior Transfer Date	Jun 1, 2021
Prior Transfer Doc	0028640059
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	200 CHERRY ST, ST MICHAELS, MD 21663
Transaction Type	Mortgage
Record Updated	Jun 21, 2022
Title Company	EASTERN MT TITLE COMPANY, EASTERN SHORE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029820159
Date	Jun 6, 2022
Book Page	2982/159

Lender

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

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.62%
Index	12-Month MTA
Max Rate	8.62%

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Nov 1, 2021
Property Address	200 CHERRY ST, ST MICHAELS, MD 21663
Document Number	0029120102
Book / Page	2912 / 102
Instrument Date	Oct 21, 2021
Transaction Type	Transfer
Record Updated	Nov 17, 2021
Title Company	EASTERN MT 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1266 GULPH CREEK DR, WAYNE, PA 19087-4686

Mortgage

Document Number	0029120108
Date	Nov 1, 2021
Book Page	2912/108

Lender

Name	JANET F SCHILLING ETAL
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	TALBOT MD
Recording Date	Jun 25, 2021
Property Address	200 CHERRY ST, ST MICHAELS, MD 21663
Document Number	0028640059
Book / Page	2864 / 59
Instrument Date	Jun 1, 2021
Transaction Type	Transfer
Record Updated	Jul 13, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 956, SAINT MICHAELS, MD 21663-0956

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	$20,274.00 (+6.25%)	$1,592,367 (+4.04%)	$1,716,100 (+12.13%) Land $966,800 Building $749,300
2025	$19,081.00 (+83.67%)	$1,530,500 (+76.55%) Land $833,900 Building $696,600	$1,530,500 (-) Land $833,900 Building $696,600
2023	$10,389.00	$866,900	$1,530,500 Land $833,900 Building $696,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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