Talbot County property record for 220 E Chestnut St, Saint Michaels, MD 21663
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,058 sqft · built 2020 |
| Lot Size | 0.165 acres (7,204 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $525,000 (Aug 2018) |
| Tax Bill | $15,408 (2026) |
| Deeds & Mortgages | Aug 2018 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 02-109700 |
| Primary APN | 02-109700 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,058 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 7,204 sqft (0.165 acres) |
| View / Lot | Waterfront |
| Garage Type | Built-in |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 109700 |
|---|---|
| Street Address | 220 E CHESTNUT ST |
| City | SAINT MICHAELS |
| State | MD |
| Zip | 21663 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 - 7,204 SF S/S CHESTNUT ST ST MICHAELS |
| Legal Subdivision | JENNESS MILLICENT LAND |
| Legal Lot Number | 2 |
| Jurisdiction | TALBOT MD |
| Township / Civil Division | 2, ST. MICHAELS |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 960700 |
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.
220 E Chestnut St is owner-occupied and held in a trust since January 2025.
Source: Talbot County records, as of September 29, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 220 E CHESTNUT ST, SAINT MICHAELS, MD 21663 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2018 · Amount on File |
| Deed Sale | Aug 7, 2018 · Amount on File |
| Prior Sale | Apr 26, 1996 · Amount on File |
| Deed Book / Page | 2554 / 375 |
| Last Transfer Date | Jan 10, 2025 |
| Transfer Doc | 0031650348 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | TALBOT MD |
| Recording Date | Aug 7, 2018 |
| Property Address | 220 E CHESTNUT ST, ST MICHAELS, MD 21663 |
| Document Number | 0025540375 |
| Book / Page | 2554 / 375 |
| Map Reference | LB74 FO20 |
| Instrument Date | Jul 16, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $7,875.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 139 LAFAYETTE AVE, ANNAPOLIS, MD 21401-2813 |
| Document Number | 0025540382 |
|---|---|
| Date | Aug 7, 2018 |
| Book Page | 2554/382 |
| Name | PROVIDENT BANK |
|---|---|
| Type | Subprime Lender |
| Address | PRESTON, MD 21655 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 220 E Chestnut St was $15,408 with a homeowner's exemption, up 3.1% from the year before.
Source: Talbot County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Talbot County |
| Municipality | St. Michaels Town |
| Unified School District | Talbot County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $15,408.00 (+3.1%) Homeowner's exemption | $1,523,767 (+13.49%) | $1,885,900 (+40.46%) Land $988,900 Building $897,000 |
| 2025 | $14,945.00 Homeowner's exemption | $1,342,700 Land $525,800 Building $816,900 | $1,342,700 Land $525,800 Building $816,900 |
| 2023 | $14,256.00 Homeowner's exemption | $1,238,033 | $1,342,700 Land $525,800 Building $816,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 220 E Chestnut St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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 |
|
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.
The area around 220 E Chestnut St 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.
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 |
| 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.
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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