Talbot County property record for 243 Madison Ave, Saint Michaels, MD 21663
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,932 sqft · built 1994 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $202,000 (Jul 2003) |
| Tax Bill | $1,438 (2025) |
| Deeds & Mortgages | Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-071541 |
| Primary APN | 02-071541 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,932 sqft Total Area |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 15,000 sqft (0.344 acres) |
| Lot Dimensions | 200 ft deep x 75 ft wide |
| Deck Area | 168 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 071541 |
|---|---|
| Street Address | 243 MADISON AVE |
| City | SAINT MICHAELS |
| State | MD |
| Zip | 21663-2839 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 14 SEC R-75X200 S/S MADISON AVE RIO VISTA |
| Legal Subdivision | RIO VISTA |
| Legal Lot Number | 14 R |
| Jurisdiction | TALBOT MD |
| Township / Civil Division | 2, ST. MICHAELS |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 960700 |
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 | Individual Name on File |
|---|---|
| Mailing Address | 243 MADISON AVE, SAINT MICHAELS, MD 21663-2839 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 22, 2003 · Amount on Record |
| Deed Sale | Jul 22, 2003 · Amount on Record |
| Prior Sale | Jul 17, 2002 · Amount on Record |
| Deed Document Number | 20031161 |
| Deed Book / Page | 1170 / 888 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TALBOT MD |
| Property Address | 243 MADISON AVE, ST MICHAELS, MD 21663-2839 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0024790332 |
|---|---|
| Date | Sep 21, 2017 |
| Book Page | 2479/332 |
| Instrument | 2479-332 |
| Name | PNC MORTGAGE LLC |
|---|---|
| Type | Lending Institution |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2032 |
Source: Talbot County assessment roll, as of August 12, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Talbot County |
| Unified School District | Talbot County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $313,433 (+14.67%) | $333,500 (+9.92%) Land $137,400 Building $196,100 | |
| 2025 | $1,438.00 (+7.96%) Homeowner's exemption | ||
| 2023 | $1,332.00 Homeowner's exemption | $273,333 | $303,400 Land $113,400 Building $190,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 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 |
|
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.
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 |
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 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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