203 Cherry St, Saint Michaels, MD 21663 Property Records

Talbot County property record for 203 Cherry St, Saint Michaels, MD 21663

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,090 sqft
Lot Size	0.118 acres (5,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,062,500 (Jan 2021)
Tax Bill	$7,599 (2026)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Jan 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`02-087049`

Property Details

APN / Parcel Number

Primary APN	`02-087049`
Alternative APNs	`2087049` `087049`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	2,090 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,120 sqft (0.118 acres)
Lot Dimensions	124 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	189 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	087049
Street Address	203 CHERRY ST
City	SAINT MICHAELS
State	MD
Zip	21663
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 40X124 N/S CHERRY ST ST MICHAELS
Jurisdiction	TALBOT MD
Township / Civil Division	2, ST. MICHAELS
Census Block Group	2
Census Block	2022
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 806, SAINT MICHAELS, MD 21663-0806
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2021	Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Jan 21, 2020	Grant Deed, Transfer REAL ESTATE TITLE AND ESCROW, REAL ESTATE TITLE & ESCROW

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2021 · Amount on Record
Deed Sale	Jan 7, 2021 · Amount on Record
Prior Sale	Jan 21, 2020 · Amount on Record
Deed Book / Page	2791 / 164
Record Updated	Oct 29, 2026

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Jan 7, 2021
Property Address	203 CHERRY ST, ST MICHAELS, MD 21663
Document Number	0027910164
Book / Page	2791 / 164
Instrument Date	Dec 28, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	TITLE EXCELLENCE

Transaction

Amount	Amount Recorded
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	203 CHERRY ST, SAINT MICHAELS, MD 21663

Mortgage

Document Number	0002791170
Date	Jan 7, 2021
Instrument	2791/170

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	TALBOT MD
Recording Date	Jan 21, 2020
Property Address	203 CHERRY ST, ST MICHAELS, MD 21663
Document Number	0026750136
Book / Page	002675 / 000136
Instrument Date	Jan 17, 2020
Transaction Type	Transfer
Record Updated	Feb 12, 2020
Title Company	REAL ESTATE TITLE AND ESCROW, REAL ESTATE TITLE & ESCROW

Transaction

Amount	Amount Recorded
Tax	$725.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	928 RIVERVIEW TER ST MICHAELS MD 216632950, ST MICHAELS, MD 21663-2950

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	$7,599.00 (+3.26%) Homeowner's exemption	$989,833 (+40.02%)	$1,107,900 (+19.03%) Land $413,500 Building $694,400
2025	$7,359.00 (+6.19%) Homeowner's exemption
2023	$6,930.00 Homeowner's exemption	$706,933	$930,800 Land $364,400 Building $566,400

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 100 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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