3295 Ocean Gateway, Trappe, MD 21673 Property Records

Talbot County property record for 3295 Ocean Gateway, Trappe, MD 21673

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,480 sqft · built 1984
Lot Size	1.93 acres (84,071 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (May 2021)
Tax Bill	$3,584 (2026)
Deeds & Mortgages	May 2021 Sale & Mortgage Aug 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`03-144615`

Property Details

APN / Parcel Number

Primary APN	`03-144615`
Alternative APNs	`3144615` `144615`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,480 sqft Total Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	84,071 sqft (1.93 acres)
Garage Type	Mixed
Garage Area	2,072 sqft
Parking Spaces	7 Parking Spaces
Porch	Slab
Porch Area	536 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	144615
Street Address	3295 OCEAN GTWY
City	TRAPPE
State	MD
Zip	21673-2018
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1.933 AC W/S RT 50
Legal Subdivision	WELSH FARM
Jurisdiction	TALBOT MD
Township / Civil Division	3, TRAPPE
Census Block Group	4
Census Block	4027
Census Tract	960900

Owner

3295 Ocean Gateway is owned and occupied by two individuals who bought it in May 2021.

Source: Talbot County records, as of September 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3295 OCEAN GTWY, TRAPPE, MD 21673-2018
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2021	Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS LLC
Aug 16, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2021 · Amount on File
Deed Sale	May 25, 2021 · Amount on File
Deed Book / Page	2851 / 106
Prior Transfer Date	Aug 15, 2018
Prior Transfer Doc	0025570042
Record Updated	Oct 29, 2026

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	May 25, 2021
Property Address	3295 OCEAN GTWY, TRAPPE, MD 21673-2018
Document Number	0028510106
Book / Page	2851 / 106
Map Reference	LB 600 FO 265
Instrument Date	May 19, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	NOT AVAILABLE, VENTURE TITLE CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3295 OCEAN GTWY, TRAPPE, MD 21673-2018

Mortgage

Document Number	0002851112
Date	May 25, 2021
Instrument	2851/112

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TALBOT MD
Recording Date	Aug 16, 2018
Property Address	3295 OCEAN GTWY, TRAPPE, MD 21673-2018
Document Number	0025570042
Book / Page	002557 / 000042
Instrument Date	Aug 15, 2018
Transaction Type	Transfer
Record Updated	Aug 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3295 OCEAN GTWY TRAPPE MD 216732018, TRAPPE, MD 21673-2018

Tax Assessment & Valuation

The 2026 property tax bill for 3295 Ocean Gateway was $3,584, up 8.9% from the year before.

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	$3,584.00 (+8.9%)	$382,300 (+7.34%) Land $106,700 Building $275,600	$382,300 (-) Land $106,700 Building $275,600
2025	$3,291.00	$356,167	$382,300 Land $106,700 Building $275,600
2023	$2,599.00	$303,900 Land $94,800 Building $209,100	$303,900 Land $94,800 Building $209,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3295 Ocean Gateway in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2003.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	5 (2003)
Most Recent Claim	Sep 2003 · Hurricane Isabel
Claims by Event	Hurricane Isabel, Sep 2003 · 5 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

Wildfire risk around 3295 Ocean Gateway is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 86% of Maryland
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
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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