231 Madison Ave, Saint Michaels, MD 21663 Property Records

Talbot County property record for 231 Madison Ave, Saint Michaels, MD 21663

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,702 sqft · built 1972
Lot Size	0.367 acres (16,000 sqft)
Owner	2 Individual Names on File
Last Sale	$619,000 (Oct 2025)
Tax Bill	$2,714 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Mar 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-070685`

Property Details

APN / Parcel Number

Primary APN	`02-070685`
Alternative APNs	`2070685` `070685`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,702 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	16,000 sqft (0.367 acres)
Lot Dimensions	200 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	238 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	352 sqft
Patio Area	130 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	070685
Street Address	231 MADISON AVE
City	SAINT MICHAELS
State	MD
Zip	21663-2839
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 SEC R-80X200 E/S MADISON AVE RIO VISTA
Legal Subdivision	RIO VISTA
Legal Lot Number	8 R
Jurisdiction	TALBOT MD
Township / Civil Division	2, ST. MICHAELS
Census Block Group	2
Census Block	2029
Census Tract	960700

Owner

Source: Talbot County assessment roll, as of August 12, 2025

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 File
Mailing Address	231 MADISON AVE, SAINT MICHAELS, MD 21663-2839
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Deed, Transfer · Conventional Mortgage NFM LENDING
Mar 3, 2022	Intrafamily Transfer, Transfer
May 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
May 3, 2018	Deed, Transfer · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 24, 2025 · Amount on Record
Deed Sale	Oct 24, 2025 · Amount on Record
Prior Sale	May 3, 2018 · Amount on Record
Deed Document Number	2025
Deed Book / Page	3220 / 270
Prior Transfer Date	Feb 23, 2022
Prior Transfer Doc	0029540106
Record Updated	Sep 20, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Oct 24, 2025
Property Address	231 MADISON AVE, ST MICHAELS, MD 21663-2839
Document Number	0032200270
Book / Page	3220 / 270
Map Reference	LB 8 FO 11
Instrument Date	Oct 20, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	EASTERN MT TITLE COMPANY, EASTERN SHORE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,095.00
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	231 MADISON AVE, SAINT MICHAELS, MD 21663-2839

Mortgage

Document Number	0003220275
Date	Oct 24, 2025
Instrument	3220/275

Lender

Name	NFM LENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Nov 1, 2028
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	8.75%
Index	1-Year CMT
Max Rate	12.7%

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	TALBOT MD
Recording Date	Mar 3, 2022
Property Address	231 MADISON AVE, ST MICHAELS, MD 21663-2839
Document Number	0029540106
Book / Page	2954 / 106
Map Reference	LB JTB 8 FO 11
Instrument Date	Feb 23, 2021
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Family Revocable Trust
Address	231 MADISON AVE, SAINT MICHAELS, MD 21663-2839

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	231 MADISON AVE, ST MICHAELS, MD 21663-2839
Document Number	0027020211
Instrument Date	May 1, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	231 MADISON AVE ST MICHAELS MD 216632839, ST MICHAELS, MD 21663-2839

Mortgage

Document Number	0027020211
Date	May 4, 2020
Book Page	002702/000211

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 3, 2035

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	May 3, 2018
Property Address	231 MADISON AVE, ST MICHAELS, MD 21663-2839
Document Number	0025330350
Book / Page	2533 / 350
Map Reference	LB JTB FO11
Instrument Date	Apr 19, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	TITLE EXCELLENCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,748.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	769 MARLBORO SPRING RD, KENNETT SQUARE, PA 19348-1346

Mortgage

Document Number	0002533355
Date	May 3, 2018
Instrument	2533/355

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

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		$389,800 (+30.28%)	$571,000 (+90.84%) Land $138,900 Building $432,100
2025	$2,714.00 (+18.67%)	$299,200 (+11.86%) Land $119,900 Building $179,300	$299,200 (-) Land $119,900 Building $179,300
2023	$2,287.00	$267,467	$299,200 Land $119,900 Building $179,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

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)
Cogeco Cable Holdings II Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, Easton Utilities Commission.

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