227 Madison Ave, Saint Michaels, MD 21663 Property Records

Talbot County property record for 227 Madison Ave, Saint Michaels, MD 21663

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,286 sqft · built 1956
Lot Size	0.573 acres (24,940 sqft)
Owner	2 Trust Names on Record
Last Sale	$750,000 (Jan 2018)
Tax Bill	$7,207 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Nov 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`02-070596`

Property Details

APN / Parcel Number

Primary APN	`02-070596`
Alternative APNs	`2070596` `070596`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,286 sqft Total Area
Basement Area	32 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Wood Shingle
Roof Material	Composition Shingle
Lot Area	24,940 sqft (0.573 acres)
Lot Dimensions	249 ft deep x 100 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	1,009 sqft
Deck Area	48 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	070596
Street Address	227 MADISON AVE
City	SAINT MICHAELS
State	MD
Zip	21663-2839
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 SEC R-100X249 E/S MADISON AVE RIO VISTA
Legal Subdivision	RIO VISTA DEVELOPMENT
Legal Lot Number	6 R
Jurisdiction	TALBOT MD
Township / Civil Division	2, ST. MICHAELS
Census Block Group	2
Census Block	2029
Census Tract	960700

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 Trust Names on Record
Mailing Address	6342 RIVER DOWNS RD, ALEXANDRIA, VA 22312-1557
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2018	Deed of Trust, Mortgage · ARM MORGAN STANLEY PRIVATE BANK NA
Nov 2, 2018	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2018 · Amount on Record
Deed Sale	Jan 8, 2018 · Amount on Record
Prior Sale	Sep 18, 2002
Deed Document Number	20182505-102
Deed Book / Page	2505 / 102
Last Transfer Date	Oct 25, 2018
Transfer Doc	0025740264
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	227 MADISON AVE, ST MICHAELS, MD 21663-2839
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025260118
Date	Apr 5, 2018
Book Page	2526/118

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.9%
Type Change Date	May 1, 2025
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.9%
Index	1-Year LIBOR
Max Rate	8.9%

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TALBOT MD
Recording Date	Nov 2, 2018
Property Address	227 MADISON AVE, ST MICHAELS, MD 21663-2839
Document Number	0025740264
Book / Page	002574 / 000264
Instrument Date	Oct 25, 2018
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	6342 RIVER DOWNS RD ALEXANDRIA VA 223121557, ALEXANDRIA, VA 22312-1557

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		$866,133 (+9.02%)	$1,009,400 (+27.05%) Land $598,600 Building $410,800
2025	$7,207.00 (+13.37%)	$794,500 (+6.9%) Land $414,400 Building $380,100	$794,500 (-) Land $414,400 Building $380,100
2023	$6,357.00	$743,233	$794,500 Land $414,400 Building $380,100

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
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	Low lower than 93% of the US · lower than 85% 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.

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 156 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Easton Velocity.

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