Talbot County property record for 24815 Rays Point Rd, Saint Michaels, MD 21663
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 4,910 sqft · built 2024 |
| Lot Size | 2.8 acres (121,968 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $650,000 (Aug 2014) |
| Tax Bill | $14,814 (2026) |
| Deeds & Mortgages | Dec 2022 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-079003 |
| Primary APN | 02-079003 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 4,910 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 121,968 sqft (2.8 acres) |
| View / Lot | Waterfront |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 322 sqft |
| Porch | Slab |
| Porch Area | 200 sqft |
| Deck Area | 190 sqft |
| Patio Area | 262 sqft |
| Shed | 1 Shed |
| Shed Area | 288 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 079003 |
|---|---|
| Street Address | 24815 RAYS POINT RD |
| City | SAINT MICHAELS |
| State | MD |
| Zip | 21663-2723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.8 AC W/S PEA NECK RD |
| Legal Subdivision | RAYS POINT |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 24815 RAYS POINT RD, SAINT MICHAELS, MD 21663-2723 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 21, 2014 · Amount on Record |
| Deed Sale | Aug 21, 2014 · Amount on Record |
| Deed Book / Page | 2193 / 34 |
| Prior Transfer Date | Jun 6, 2014 |
| Prior Transfer Doc | 0021770072 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TALBOT MD |
| Property Address | 24815 RAYS POINT RD, ST MICHAELS, MD 21663-2723 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2022 |
| Title Company | TITLE EXCELLENCE |
| Name | Verified Name |
|---|
| Document Number | 0030210249 |
|---|---|
| Date | Dec 9, 2022 |
| Book Page | 3021/249 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Address | WALDORF, MD 20603 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2037 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.5% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 10.5% |
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 | $14,814.00 (+2.21%) Homeowner's exemption | $1,753,267 (+4.77%) | $1,912,800 (+14.3%) Land $808,000 Building $1,104,800 |
| 2025 | $14,493.00 (+108.26%) Homeowner's exemption | $1,673,500 (+86.33%) Land $726,400 Building $947,100 | $1,673,500 (+75.64%) Land $726,400 Building $947,100 |
| 2023 | $6,959.00 Homeowner's exemption | $898,133 | $952,800 Land $726,400 Building $226,400 |
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 100 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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