24778 Rays Point Rd, Saint Michaels, MD 21663 Property Records

Talbot County property record for 24778 Rays Point Rd, Saint Michaels, MD 21663

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,940 sqft · built 1978
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$308,000 (Jun 2010)
Tax Bill	$2,655 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-103281`

Property Details

APN / Parcel Number

Primary APN	`02-103281`
Alternative APNs	`2103281` `103281`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,940 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Detached
Garage Area	912 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Deck Area	256 sqft
Shed	1 Shed
Shed Area	336 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	103281
Street Address	24778 RAYS POINT RD
City	SAINT MICHAELS
State	MD
Zip	21663-2724
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.0 AC E/S RAY POINT RD
Legal Subdivision	TALBOT COMMERCE PARK
Jurisdiction	TALBOT MD
Township / Civil Division	2, ST. MICHAELS
Census Block Group	3
Census Block	3042
Census Tract	960700

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	24778 RAYS POINT RD, SAINT MICHAELS, MD 21663-2724
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jun 17, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2010 · Amount on Record
Deed Sale	Jun 3, 2010 · Amount on Record
Prior Sale	Sep 4, 2001 · Amount on Record
Deed Document Number	2010482
Deed Book / Page	1800 / 172
Transfer Doc	0000000019
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	24778 RAYS POINT RD, ST MICHAELS, MD 21663-2724
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029330496
Date	Jan 5, 2022
Book Page	2933/496

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2037

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	24778 RAYS POINT RD, ST MICHAELS, MD 21663-2724
Document Number	0027260196
Instrument Date	Jun 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24778 RAYS POINT RD ST MICHAELS MD 216632724, ST MICHAELS, MD 21663-2724

Mortgage

Document Number	0027260196
Date	Jul 21, 2020
Book Page	002726/000196

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 20, 2045

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	$2,655.00 (+1.8%) Homeowner's exemption	$359,633 (+10.65%)	$372,300 (+5.38%) Land $156,000 Building $216,300
2025	$2,608.00 (+9.76%) Homeowner's exemption
2023	$2,376.00 Homeowner's exemption	$325,033	$353,300 Land $144,000 Building $209,300

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 158 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	158 in force
Nearby Flood Claims	23 (1979–2024)
Claims Outside the SFHA	6 of 23
Most Recent Claim	Apr 2024 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 16 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 65% of the US · above 71% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Easton Velocity.

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