21545 Gibsontown Rd, Tilghman, MD 21671 Property Records

Talbot County property record for 21545 Gibsontown Rd, Tilghman, MD 21671

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,726 sqft · built 1900
Lot Size	0.798 acres (34,760 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,658 (2026)
Deeds & Mortgages	Nov 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`05-186536`

Property Details

APN / Parcel Number

Primary APN	`05-186536`
Alternative APNs	`5186536` `186536`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,726 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood Shingle
Roof Material	Composition Shingle
Lot Area	34,760 sqft (0.798 acres)
View / Lot	Waterfront

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	452 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	186536
Street Address	21545 GIBSONTOWN RD
City	TILGHMAN
State	MD
Zip	21671
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT .798 AC N/S GIBSONTOWN RD TILGHMAN
Legal Subdivision	BRAMBLE REITA D PROP
Jurisdiction	TALBOT MD
Township / Civil Division	5, BAY HUNDRED
Census Block Group	2
Census Block	2013
Census Tract	960800

Owner

21545 Gibsontown Rd is owned by two individuals who acquired it in October 2025.

Source: Talbot County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2735 MOORES VALLEY DR, BALTIMORE, MD 21209-1050
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 28, 2025
Transfer Doc	0032240151
Record Updated	Oct 29, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	TALBOT MD
Recording Date	Nov 13, 2025
Property Address	21545 GIBSONTOWN RD, TILGHMAN, MD 21671
Document Number	0032240151
Book / Page	3224 / 151
Instrument Date	Oct 28, 2025
Transaction Type	Transfer
Record Updated	Dec 8, 2025

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
Relationship	Tenants by the Entirety
Address	2735 MOORES VALLEY DR, BALTIMORE, MD 21209-1050

Tax Assessment & Valuation

The 2026 property tax bill for 21545 Gibsontown Rd was $3,658, up 4.8% from the year before.

Source: Talbot County assessment roll, as of September 29, 2026

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	$3,658.00 (+4.78%)	$399,967 (+3.06%)	$423,700 (+9.17%) Land $289,500 Building $134,200
2025	$3,491.00	$388,100 Land $263,100 Building $125,000	$388,100 Land $263,100 Building $125,000
2023	$3,181.00	$371,967	$388,100 Land $263,100 Building $125,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 21545 Gibsontown 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 VE, 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	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

The area around 21545 Gibsontown Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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