Talbot County property record for 21444 Wharf Rd, Tilghman, MD 21671
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,654 sqft · built 1900 |
| Lot Size | 0.479 acres (20,868 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $235,000 (Jan 2017) |
| Tax Bill | $3,217 (2026) |
| Deeds & Mortgages | Dec 2020 Mortgage Jan 2017 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-184304 |
| Primary APN | 05-184304 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,654 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 20,868 sqft (0.479 acres) |
| Lot Dimensions | 282 ft deep x 74 ft wide |
| Porch | Slab |
| Porch Area | 472 sqft |
| Deck Area | 280 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 184304 |
|---|---|
| Street Address | 21444 WHARF RD |
| City | TILGHMAN |
| State | MD |
| Zip | 21671 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | V1 |
| Legal Description | LOT A-74X282 N/S WHARF RD TILGHMAN |
| Legal Lot Number | A |
| Jurisdiction | TALBOT MD |
| Township / Civil Division | 5, BAY HUNDRED |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 960800 |
21444 Wharf Rd is owned by two individuals who bought it in January 2017.
Source: Talbot County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 14014 FLINT ROCK RD, ROCKVILLE, MD 20853-2651 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GREENWAY FUNDING GROUP INC |
| Jan 10, 2017 | Grant Deed, Transfer VENTURE TITLE |
| Jan 5, 2017 | Deed, Transfer · Conventional Mortgage CREDIT UNION MORTGAGE ASSOCIATION I |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 5, 2017 · Amount on File |
| Deed Sale | Jan 5, 2017 · Amount on File |
| Prior Sale | Aug 14, 2000 · Amount on File |
| Deed Document Number | 20172415-075 |
| Deed Book / Page | 2415 / 75 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TALBOT MD |
| Property Address | 21444 WHARF RD, TILGHMAN, MD 21671 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0027770281 |
|---|---|
| Date | Dec 1, 2020 |
| Book Page | 2777/281 |
| Name | GREENWAY FUNDING GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | POTOMAC, MD 20854 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 1, 2035 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | TALBOT MD |
| Recording Date | Jan 10, 2017 |
| Property Address | 21444 WHARF RD, TILGHMAN, MD 21671 |
| Document Number | 0024150075 |
| Book / Page | 002415 / 000075 |
| Instrument Date | Jan 4, 2016 |
| Transaction Type | Transfer |
| Record Updated | Apr 4, 2017 |
| Title Company | VENTURE TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $235.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 14014 FLINT RD ROCKVILLE MD 20853, ROCKVILLE, MD 20853 |
| Document Type | Deed |
|---|---|
| Jurisdiction | TALBOT MD |
| Recording Date | Jan 5, 2017 |
| Property Address | 21444 WHARF RD, TILGHMAN, MD 21671 |
| Document Number | 0024150075 |
| Book / Page | 2415 / 075 |
| Instrument Date | Jan 4, 2016 |
| Instrument | 2415-075 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Title Company | VENTURE TITLE CO LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,525.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 14014 FLINT ROCK RD, ROCKVILLE, MD 20853-2651 |
| Document Number | 2415083 |
|---|---|
| Date | Jan 5, 2017 |
| Instrument | 2415-083 |
| Name | CREDIT UNION MORTGAGE ASSOCIATION I |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2047 |
The 2026 property tax bill for 21444 Wharf Rd was $3,217, up 15.9% from the year before.
Source: Talbot County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Talbot County |
| Unified School District | Talbot County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,217.00 (+15.89%) | $348,967 | $434,900 Land $217,500 Building $217,400 |
| 2025 | $2,776.00 | ||
| 2023 | $2,387.00 | $279,133 | $306,000 Land $159,700 Building $146,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21444 Wharf Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 File 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 |
|
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 risk around 21444 Wharf Rd is low, with a 0.02% annual chance of 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.
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 |
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