218 E Chestnut St, Saint Michaels, MD 21663 Property Records

Talbot County property record for 218 E Chestnut St, Saint Michaels, MD 21663

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,639 sqft · built 1870
Lot Size	0.176 acres (7,687 sqft)
Owner	2 Company Names on Record
Last Sale	$1,775,000 (May 2024)
Tax Bill	$12,590 (2026)
Deeds & Mortgages	Aug 2026 Sale May 2024 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`02-109697`

Property Details

APN / Parcel Number

Primary APN	`02-109697`
Alternative APNs	`2109697` `109697`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,639 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,687 sqft (0.176 acres)
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	109697
Street Address	218 E CHESTNUT ST
City	SAINT MICHAELS
State	MD
Zip	21663
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 - 7,687 SF S/S CHESTNUT ST ST MICHAELS
Legal Subdivision	MILLICENT JENNESS LAND
Legal Lot Number	3
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	PO BOX 174, SAINT MICHAELS, MD 21663-0174
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
May 6, 2024	Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
Jan 29, 2019	Grant Deed, Transfer BURKE & HERBERT BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2024 · Amount on Record
Deed Sale	May 6, 2024 · Amount on Record
Prior Sale	Jan 29, 2019 · Amount on Record
Deed Book / Page	3112 / 219
Transfer Doc	0000000521
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Aug 5, 2026
Property Address	218 E CHESTNUT ST, SAINT MICHAELS, MD 21663
Document Number	3286000403
Book / Page	3286 / 403
Instrument Date	Jul 9, 2026
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

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	Revocable Trust

May 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	May 6, 2024
Property Address	218 E CHESTNUT ST, ST MICHAELS, MD 21663
Document Number	0031120219
Book / Page	3112 / 219
Map Reference	MB 74 FO 20
Instrument Date	Apr 30, 2024
Transaction Type	Transfer
Record Updated	May 20, 2024
Title Company	EASTERN MT TITLE COMPANY, EASTERN SHORE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,437.50
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	PO BOX 174, SAINT MICHAELS, MD 21663-0174

Mortgage

Document Number	0031120226
Date	May 6, 2024
Instrument	3112-0226

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	TALBOT MD
Recording Date	Jan 29, 2019
Property Address	218 E CHESTNUT ST, ST MICHAELS, MD 21663
Document Number	0025910129
Book / Page	002591 / 000129
Instrument Date	Jan 25, 2019
Transaction Type	Transfer
Record Updated	Feb 12, 2019
Title Company	EASTERN MT TITLE COMPANY, EASTERN SHR TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$880.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	831 HERBERT SPRINGS RD ALEXANDRIA VA 223081320, ALEXANDRIA, VA 22308-1320

Mortgage

Document Number	25910135
Date	Jan 29, 2019
Book Page	002591/000135

Lender

Name	BURKE & HERBERT BK&TR
Type	Bank
Address	ALEXANDRIA, VA 22314

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 28, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%

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	$12,590.00 (+2.91%) Homeowner's exemption	$1,067,433 (+8.78%)	$1,239,700 (+26.33%) Land $564,200 Building $675,500
2025	$12,234.00 (+12.55%) Homeowner's exemption	$981,300 (+8.19%) Land $431,400 Building $549,900	$981,300 (-) Land $431,400 Building $549,900
2023	$10,870.00	$907,033	$981,300 Land $431,400 Building $549,900

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	6.0 ft
Flood Insurance Requirement	Required federally backed loans
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	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.

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 307 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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