21412 Wharf Rd, Tilghman, MD 21671 Property Records

Talbot County property record for 21412 Wharf Rd, Tilghman, MD 21671

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,180 sqft · built 2003
Lot Size	0.854 acres (37,211 sqft)
Owner	2 Individual Names on Record
Last Sale	$62,900 (Jun 1993)
Tax Bill	$3,473 (2025)
Flood Zone	Zone X (minimal risk)
APN	`05-187176`

Property Details

APN / Parcel Number

Primary APN	`05-187176`
Alternative APNs	`5187176` `187176`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,180 sqft Total Area
1st Floor Area	168 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	37,211 sqft (0.854 acres)
Lot Dimensions	293 ft deep x 127 ft wide
Garage Type	Detached
Garage Area	1,212 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	168 sqft
Deck Area	232 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	187176
Street Address	21412 WHARF RD
City	TILGHMAN
State	MD
Zip	21671
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 127X293 N/S WHARF RD TILGHMAN
Legal Subdivision	TILGHMAN ISLAND BEACH
Jurisdiction	TALBOT MD
Township / Civil Division	5, BAY HUNDRED
Census Block Group	2
Census Block	2026
Census Tract	960800

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 118, TILGHMAN, MD 21671-0118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 1993 · Amount on Record
Deed Sale	Jun 17, 1993 · Amount on Record
Deed Book / Page	753 / 391
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
County	Talbot County
Unified School District	Talbot County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$603,467 (+10.7%)	$710,400 (+12.3%) Land $156,900 Building $553,500
2025	$3,473.00 (+5.85%) Homeowner's exemption
2023	$3,281.00 Homeowner's exemption	$545,133	$632,600 Land $141,800 Building $490,800

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 194 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	194 in force
Nearby Flood Claims	88 (1979–2024)
Claims Outside the SFHA	17 of 88
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 68 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 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20