3860 Main St, Trappe, MD 21673 Property Records

Talbot County property record for 3860 Main St, Trappe, MD 21673

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,112 sqft · built 1900
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$590,000 (Apr 2026)
Tax Bill	$2,170 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-105504`

Property Details

APN / Parcel Number

Primary APN	`03-105504`
Alternative APNs	`3105504` `105504`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	3,112 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	156 ft deep x 129 ft wide
Porch	Slab
Porch Area	560 sqft

Utilities, Heating & Cooling

Heating System	Space Heater
Sewer	Connected

Location & Zoning

Account Number	105504
Street Address	3860 MAIN ST
City	TRAPPE
State	MD
Zip	21673-1666
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 0.39 AC W/S MAIN ST TRAPPE
Jurisdiction	TALBOT MD
Township / Civil Division	3, TRAPPE
Census Block Group	3
Census Block	3009
Census Tract	960900

Owner

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	3860 MAIN ST, TRAPPE, MD 21673-1666
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Deed · Conventional Mortgage GUARANTEED RATE, INC
Apr 10, 2026	Deed · Conventional Mortgage GUARANTEED RATE, INC
May 10, 2024	Deed, Transfer EASTERN MT TITLE COMPANY, EASTERN SHORE TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2026 · Amount on Record
Deed Sale	Apr 10, 2026 · Amount on Record
Prior Sale	May 10, 2024 · Amount on Record
Deed Book / Page	3258 / 6
Record Updated	Oct 29, 2026

April 2026: Deed

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Apr 10, 2026
Property Address	3860 MAIN ST, TRAPPE, MD 21673-1666
Document Number	0032580006
Book / Page	3258 / 6
Instrument Date	Apr 7, 2026
Record Updated	Jul 2, 2026
Title Company	VENTURE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$59,590.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3860 MAIN ST, TRAPPE, MD 21673-1666

Mortgage

Document Number	3258000011,
Date	Apr 10, 2026
Book Page	3258/11

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Apr 10, 2026
Property Address	3860 MAIN ST, TRAPPE, MD 21673-1666
Document Number	3258000006
Book / Page	3258 / 6
Instrument Date	Apr 7, 2026
Record Updated	Apr 22, 2026
Title Company	VENTURE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$59,590.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3860 MAIN ST, TRAPPE, MD 21673-1666

Mortgage

Document Number	3258000011,
Date	Apr 10, 2026
Book Page	3258/11

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

May 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	May 10, 2024
Property Address	3860 MAIN ST, TRAPPE, MD 21673-1666
Document Number	0031130417
Book / Page	3113 / 417
Map Reference	LB 83 FO 202
Instrument Date	May 9, 2024
Transaction Type	Transfer
Record Updated	May 22, 2024
Title Company	EASTERN MT TITLE COMPANY, EASTERN SHORE TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$755.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3860 MAIN ST, TRAPPE, MD 21673-1666

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Talbot County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Talbot County
Municipality	Trappe Town
Unified School District	Talbot County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,170.00 (+6.27%) Homeowner's exemption	$172,000 (+5.56%) Land $63,100 Building $108,900	$172,000 (-) Land $63,100 Building $108,900
2025	$2,042.00 (+18.03%)	$162,933 (+2.41%)	$172,000 (+8.11%) Land $63,100 Building $108,900
2023	$1,730.00	$159,100 Land $77,400 Building $81,700	$159,100 Land $77,400 Building $81,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearby Flood Policies	2 in force

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	Low lower than 67% of the US · above 68% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF ST. MICHAELS serves 2,650 people · EPA ID MD0200006
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Arsenic resolved · Oct 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 161 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

May also be available: Easton Velocity.

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