Talbot County property record for 24807 Rays Point Rd, Saint Michaels, MD 21663
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,232 sqft · built 1986 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $245,000 (May 2020) |
| Tax Bill | $2,371 (2026) |
| Deeds & Mortgages | May 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-107597 |
| Primary APN | 02-107597 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,232 sqft Total Area |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Attached |
| Garage Area | 784 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 220 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 107597 |
|---|---|
| Street Address | 24807 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 2-2.0 AC W/S RAY'S POINT RD |
| Legal Lot Number | 2 |
| Jurisdiction | TALBOT MD |
| Township / Civil Division | 2, ST. MICHAELS |
| Census Block Group | 3 |
| Census Block | 3042 |
| Census Tract | 960700 |
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 | 24807 RAYS POINT RD, SAINT MICHAELS, MD 21663-2723 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 13, 2020 · Amount on Record |
| Deed Sale | May 13, 2020 · Amount on Record |
| Prior Sale | Dec 11, 2003 · Amount on Record |
| Deed Book / Page | 2705 / 4 |
| Transfer Doc | 0012100543 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | TALBOT MD |
| Recording Date | May 13, 2020 |
| Property Address | 24807 RAYS POINT RD, ST MICHAELS, MD 21663-2723 |
| Document Number | 0027050004 |
| Book / Page | 002705 / 000004 |
| Instrument Date | Apr 20, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2020 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $245.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 24807 RAYS POINT RD ST MICHAELS MD 216632723, ST MICHAELS, MD 21663-2723 |
| Document Number | 27050011 |
|---|---|
| Date | May 13, 2020 |
| Book Page | 002705/000011 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 12, 2035 |
Source: Talbot County assessment roll, as of September 29, 2026
| 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 | $2,371.00 (+1.8%) Homeowner's exemption | $295,933 (+1.87%) | $306,800 (+5.61%) Land $156,000 Building $150,800 |
| 2025 | $2,329.00 (+9.81%) Homeowner's exemption | $290,500 (+7.02%) Land $144,000 Building $146,500 | $290,500 (-) Land $144,000 Building $146,500 |
| 2023 | $2,121.00 Homeowner's exemption | $271,433 | $290,500 Land $144,000 Building $146,500 |
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 39 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 |
May also be available: Easton Velocity.
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