Talbot County property record for 24803 Rays Point Rd, Saint Michaels, MD 21663
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,424 sqft · built 1989 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $43,300 (Jul 1992) |
| Tax Bill | $3,800 (2025) |
| Deeds & Mortgages | Apr 2019 Line of Credit Feb 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-069547 |
| Primary APN | 02-069547 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,424 sqft Total Area |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 523 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 069547 |
|---|---|
| Street Address | 24803 RAYS POINT RD |
| City | SAINT MICHAELS |
| State | MD |
| Zip | 21663-2723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | W2 |
| Legal Description | LOT 2.0 AC W/S RAY'S POINT RD |
| Legal Subdivision | BUTLER GOLDA M |
| Jurisdiction | TALBOT MD |
| Township / Civil Division | 2, ST. MICHAELS |
| Census Block Group | 3 |
| Census Block | 3042 |
| 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 24803 RAYS POINT RD, SAINT MICHAELS, MD 21663-2723 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2019 | Deed of Trust, Mortgage · Line of Credit TOWER FCU |
| Feb 21, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 10, 1992 · Amount on Record |
| Deed Sale | Jul 10, 1992 · Amount on Record |
| Deed Book / Page | 729 / 728 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TALBOT MD |
| Property Address | 24803 RAYS POINT RD, ST MICHAELS, MD 21663-2723 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0026070416 |
|---|---|
| Date | Apr 22, 2019 |
| Book Page | 2607/416 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 25, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TALBOT MD |
| Property Address | 24803 RAYS POINT RD, ST MICHAELS, MD 21663-2723 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | EASTERN SHORE TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0025950297 |
|---|---|
| Date | Feb 21, 2019 |
| Book Page | 2595/297 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | DRAPER, UT 84020 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 1, 2039 |
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 | $559,767 (+6.46%) | $627,700 (+19.38%) Land $162,500 Building $465,200 | |
| 2025 | $3,800.00 (+12.26%) Homeowner's exemption | $525,800 (+10.66%) Land $150,000 Building $375,800 | $525,800 (-) Land $150,000 Building $375,800 |
| 2023 | $3,385.00 Homeowner's exemption | $475,133 | $525,800 Land $150,000 Building $375,800 |
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 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 |
|
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 | Moderate above 45% of the US · above 85% of Maryland |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Source: FCC Broadband Data Collection, based on 39 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 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Easton Utilities Commission.
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