245 Madison Ave, Saint Michaels, MD 21663 Property Records

Talbot County property record for 245 Madison Ave, Saint Michaels, MD 21663

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,848 sqft · built 1993
Lot Size	0.455 acres (19,830 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,157 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-071568`

Property Details

APN / Parcel Number

Primary APN	`02-071568`
Alternative APNs	`2071568` `071568`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,848 sqft Total Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	19,830 sqft (0.455 acres)
Lot Dimensions	200 ft deep x 85 ft wide
Deck Area	280 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	071568
Street Address	245 MADISON AVE
City	SAINT MICHAELS
State	MD
Zip	21663-2839
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 SEC R-85X200 S/S MADISON AVE RIO VISTA
Legal Subdivision	RIO VISTA
Legal Lot Number	15 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 Individual Names on Record
Mailing Address	245 MADISON AVE, SAINT MICHAELS, MD 21663-2839
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2010
Deed Sale	Dec 22, 2010
Prior Sale	Nov 13, 2008 · Amount on Record
Deed Document Number	20101162
Deed Book / Page	1856 / 431
Prior Transfer Date	Mar 30, 2009
Prior Transfer Doc	0016810053
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	245 MADISON AVE, ST MICHAELS, MD 21663-2839
Transaction Type	Mortgage
Record Updated	Sep 14, 2023
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029430051
Date	Jan 27, 2022
Book Page	2943/51

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	245 MADISON AVE, ST MICHAELS, MD 21663-2839
Document Number	0024590194
Book / Page	002459 / 000194
Instrument Date	Jun 7, 2017
Transaction Type	Mortgage
Record Updated	Nov 28, 2017
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	245 MADISON AVE ST MICHAELS MD 216632839, ST MICHAELS, MD 21663-2839

Mortgage

Document Number	0024590194
Date	Jun 30, 2017
Book Page	002459/000194

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2047

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		$330,533 (+6.18%)	$369,000 (+18.54%) Land $144,600 Building $224,400
2025	$2,157.00 (+7.85%) Homeowner's exemption	$311,300 (+12.45%) Land $119,300 Building $192,000	$311,300 (-) Land $119,300 Building $192,000
2023	$2,000.00 Homeowner's exemption	$276,833	$311,300 Land $119,300 Building $192,000

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
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

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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