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  5. Madison Ave

239 Madison Ave, Saint Michaels, MD 21663 Property Records

Talbot County property record for 239 Madison Ave, Saint Michaels, MD 21663

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,225 sqft · built 1991
Lot Size0.344 acres (15,000 sqft)
Owner2 Individual Names on File
Last Sale$179,000 (Nov 2008)
Tax Bill$2,394 (2026)
Deeds & MortgagesAug 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN02-068311

Property Details

APN / Parcel Number

Primary APN02-068311
Alternative APNs
  • 2068311
  • 068311

Interior

Full Baths1 Bath
Stories1 Story
Building Area1,225 sqft Total Area

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1991
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area15,000 sqft (0.344 acres)
Lot Dimensions200 ft deep x 75 ft wide
Garage TypeDetached
Garage Area480 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area63 sqft
Deck Area160 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
SewerConnected

Location & Zoning

Account Number068311
Street Address239 MADISON AVE
CitySAINT MICHAELS
StateMD
Zip21663-2839
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 12 SEC R-75X200 E/S RT 33 RIO VISTA
Legal SubdivisionRIO VISTA SEC R
Legal Lot Number12 R
JurisdictionTALBOT MD
Township / Civil Division2, ST. MICHAELS
Census Block Group2
Census Block2029
Census Tract960700

Owner

239 Madison Ave is owned and occupied by two individuals who bought it in November 2008.

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

Owner of Record2 Individual Names on File
Mailing Address239 MADISON AVE, SAINT MICHAELS, MD 21663-2839
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 6, 2008 · Amount on File
Deed SaleNov 6, 2008 · Amount on File
Prior SaleMar 11, 2008 · Amount on File
Deed Document Number200882206
Deed Book / Page1651 / 43
Prior Transfer DateMar 27, 1991
Prior Transfer Doc0701000916
Record UpdatedOct 29, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionTALBOT MD
Property Address239 MADISON AVE, ST MICHAELS, MD 21663-2839
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyADVANTAGE TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0027370006
DateAug 19, 2020
Book Page2737/6
Lender
NameMERIDIAN HOME MORTGAGE CORP
TypeMortgage Company
AddressWESTMINSTER, MD 21157
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term181 Months
DueSep 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 239 Madison Ave was $2,394, up 5.5% from the year before.

Source: Talbot County assessment roll, as of September 29, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyTalbot County
Unified School DistrictTalbot County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,394.00 (+5.46%)$259,700$278,700 Land $137,400 Building $141,300
2025$2,270.00
2023$1,958.00$228,933$250,200 Land $113,400 Building $136,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 239 Madison Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 132 individual policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies140 units insured
incl. 8 condo units
Nearby Flood Claims42 (1978–2024)
Claims Outside the SFHA13 of 42
Most Recent ClaimJan 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

Wildfire risk around 239 Madison Ave is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 94% of the US · lower than 87% of Maryland
Wildfire Likelihood0.03% annual chance
ExposureDirect
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 SystemTOWN OF TRAPPE
serves 1,200 people · EPA ID MD0200007
Water SourceGroundwater
Last State InspectionNov 2025
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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