28474 Sanderstown Rd, Trappe, MD 21673 Property Records

Talbot County property record for 28474 Sanderstown Rd, Trappe, MD 21673

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,960 sqft · built 2004
Lot Size	3.16 acres (137,650 sqft)
Owner	2 Individual Names on File
Last Sale	$499,000 (Jun 2019)
Tax Bill	$5,514 (2025)
Deeds & Mortgages	Jan 2026 Transfer Oct 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-148866`

Property Details

APN / Parcel Number

Primary APN	`03-148866`
Alternative APNs	`3148866` `148866`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,960 sqft Total Area
Attic	Attic
Attic Area	900 sqft
Utility Area	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	137,650 sqft (3.16 acres)
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	512 sqft
Porch	Slab
Porch Area	1,488 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	148866
Street Address	28474 SANDERSTOWN RD
City	TRAPPE
State	MD
Zip	21673-1951
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 - 3.164 AC ISLAND CREEK NECK LOCUST GROVE
Legal Subdivision	ISLAND CREEK
Legal Lot Number	5
Jurisdiction	TALBOT MD
Township / Civil Division	3, TRAPPE
Census Block Group	1
Census Block	1020
Census Tract	960900

Owner

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	28474 SANDERSTOWN RD, TRAPPE, MD 21673-1951
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2026	Intrafamily Transfer, Transfer
Oct 2, 2025	Deed of Trust, Mortgage · Conventional Mortgage DEEPHAVEN MORTGAGE LLC
Aug 11, 2017	Deed of Trust, Mortgage · Commercial Mortgage CNB
Jun 4, 2019	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 4, 2019 · Amount on Record
Deed Sale	Jun 4, 2019 · Amount on Record
Prior Sale	Sep 24, 2002 · Amount on Record
Deed Book / Page	2616 / 440
Prior Transfer Date	Sep 7, 2006
Prior Transfer Doc	0015140176
Record Updated	Sep 20, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	TALBOT MD
Recording Date	Jan 23, 2026
Property Address	28474 SANDERSTOWN RD, TRAPPE, MD 21673-1951
Document Number	0032390344
Book / Page	3239 / 344
Map Reference	LB 73 FO 38
Instrument Date	Jan 7, 2026
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	28474 SANDERSTOWN RD, TRAPPE, MD 21673-1951

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	28474 SANDERSTOWN RD, TRAPPE, MD 21673-1951
Transaction Type	Mortgage
Record Updated	Oct 22, 2025
Title Company	UNKNOWN, ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28474 SANDERSTOWN RD, TRAPPE, MD 21673-1951

Mortgage

Document Number	0032150431
Date	Oct 2, 2025
Book Page	3215/431

Lender

Name	DEEPHAVEN MORTGAGE LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	28474 SANDERSTOWN RD, TRAPPE, MD 21673-1951
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	STERN SHORE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024690070
Date	Aug 11, 2017
Book Page	2469/070
Instrument	2469-070

Lender

Name	CNB
Type	Bank
Address	EASTON, MD 21601

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	TALBOT MD
Recording Date	Jun 4, 2019
Property Address	28474 SANDERSTOWN RD, TRAPPE, MD 21673-1951
Document Number	0026160440
Book / Page	002616 / 000440
Instrument Date	Jun 3, 2019
Transaction Type	Transfer
Record Updated	Jun 20, 2019
Title Company	EASTERN MT TITLE COMPANY, EASTERN SHR TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$499.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28474 SANDERSTOWN RD TRAPPE MD 216731951, TRAPPE, MD 21673-1951

Mortgage

Document Number	26160447
Date	Jun 4, 2019
Book Page	002616/000447

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2049

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		$652,500 (+8.53%) Land $137,100 Building $515,400	$652,500 (-) Land $137,100 Building $515,400
2025	$5,514.00 (+29.28%)	$601,200 (+20.58%)	$652,500 (+30.87%) Land $137,100 Building $515,400
2023	$4,265.00	$498,600 Land $124,600 Building $374,000	$498,600 Land $124,600 Building $374,000

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 75 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	75 in force
Nearby Flood Claims	34 (2003–2024)
Claims Outside the SFHA	4 of 34
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Sandy, Oct 2012 · 4 claims Hurricane Isabel, Sep 2003 · 17 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	Moderate above 53% of the US · above 89% of Maryland
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Easton Utilities Commission Fiber	1,000 / 125

Cell Coverage

5G and 4G LTE (outdoors only)

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