22865 Jackson Ln, Wittman, MD 21676 Property Records

Talbot County property record for 22865 Jackson Ln, Wittman, MD 21676

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,137 sqft · built 1971
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$795,000 (May 2023)
Tax Bill	$7,226 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-182506`

Property Details

APN / Parcel Number

Primary APN	`05-182506`
Alternative APNs	`5182506 4` `182506`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,137 sqft Total Area
Attic	Attic
Attic Area	568 sqft
Basement Area	15 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Siding
Roof Material	Metal
Lot Area	21,780 sqft (0.5 acres)
View / Lot	Waterfront
Garage Type	Detached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Patio Area	224 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	182506
Street Address	22865 JACKSON LN
City	WITTMAN
State	MD
Zip	21676
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.5 AC E/S SEWELL RD POT PIE
Jurisdiction	TALBOT MD
Township / Civil Division	5, BAY HUNDRED
Census Block Group	1
Census Block	1035
Census Tract	960800

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 37, TILGHMAN, MD 21671-0037
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2023	Deed, Transfer · Conventional Mortgage WESBANCO BANK INC
Apr 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2023 · Amount on Record
Deed Sale	May 15, 2023 · Amount on Record
Prior Sale	Sep 19, 2011 · Amount on Record
Deed Book / Page	3049 / 318
Transfer Doc	0000001032
Record Updated	Oct 29, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	May 15, 2023
Property Address	22865 JACKSON LN, WITTMAN, MD 21676
Document Number	0030490318
Book / Page	3049 / 318
Instrument Date	May 12, 2023
Transaction Type	Transfer
Record Updated	Jun 1, 2023
Title Company	NOT AVAILABLE, DBA TIDEMARK TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	Tenants by the Entirety
Address	22865 JACKSON LN, WITTMAN, MD 21676

Mortgage

Document Number	0030490326
Date	May 15, 2023
Instrument	3049-0326

Lender

Name	WESBANCO BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2033
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	10.3%
Index	1-Year CMT
Margin	3
Max Rate	10.3%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	22865 JACKSON LN, WITTMAN, MD 21676
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 EASTFIELD PL, WALKERSVILLE, MD 21793-8196

Mortgage

Document Number	0025310022
Date	Apr 25, 2018
Book Page	2531/022

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

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	$7,226.00 (+61.95%)	$777,333 (+68.04%)	$924,600 (+90.56%) Land $417,000 Building $507,600
2025	$4,462.00 (+12.76%)
2023	$3,957.00	$462,600	$485,200 Land $317,600 Building $167,600

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 107 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	107 in force
Nearby Flood Claims	41 (1979–2024)
Claims Outside the SFHA	13 of 41
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 29 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 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Breezeline Cable	250 / 20

May also be available: Easton Velocity.

Cell Coverage

5G (outdoors only) and 4G LTE

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