3890 Main St, Trappe, MD 21673 Property Records

Talbot County property record for 3890 Main St, Trappe, MD 21673

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,400 sqft · built 1915
Lot Size	0.58 acres (25,265 sqft)
Owner	2 Individual Names on Record
Last Sale	$498,000 (Apr 2024)
Tax Bill	$3,326 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Apr 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-105865`

Property Details

APN / Parcel Number

Primary APN	`03-105865`
Alternative APNs	`3105865` `105865`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,400 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	25,265 sqft (0.58 acres)
Garage Type	Detached
Garage Area	1,200 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	80 sqft
Deck Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	105865
Street Address	3890 MAIN ST
City	TRAPPE
State	MD
Zip	21673-1666
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 25,265 SF W/S MAIN ST TRAPPE
Legal Subdivision	NEWMAN ANA S
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	3890 MAIN ST, TRAPPE, MD 21673-1666
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2025	Deed of Trust, Mortgage · Conventional Mortgage BAY CAPITAL MORTGAGE CORP
Apr 4, 2024	Deed, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORP
Aug 29, 2023	Deed, Transfer
Aug 29, 2023	Deed, Transfer NOT AVAILABLE, NEW WORKD TITLE COMPANY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2024 · Amount on Record
Deed Sale	Apr 4, 2024 · Amount on Record
Prior Sale	Aug 29, 2023 · Amount on Record
Deed Book / Page	3106 / 436
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	3890 MAIN ST, TRAPPE, MD 21673-1666
Transaction Type	Mortgage
Record Updated	Dec 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3890 MAIN ST, TRAPPE, MD 21673-1666

Mortgage

Document Number	0032260335
Date	Nov 25, 2025
Book Page	3226/335

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Apr 4, 2024
Property Address	3890 MAIN ST, TRAPPE, MD 21673-1666
Document Number	0031060436
Book / Page	3106 / 436
Instrument Date	Mar 29, 2024
Transaction Type	Transfer
Record Updated	Apr 16, 2024
Title Company	ATLANTIC TITLE GROUP, THE ATLANTIC TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3890 MAIN ST, TRAPPE, MD 21673-1666

Mortgage

Document Number	0031060443
Date	Apr 4, 2024
Instrument	3106-0443

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Aug 29, 2023
Property Address	3890 MAIN ST, TRAPPE, MD 21673-1666
Document Number	0030700033
Book / Page	3070 / 33
Instrument Date	Aug 23, 2023
Transaction Type	Transfer
Record Updated	Sep 15, 2023

Transaction

Amount	Amount Recorded
Tax	$754.17
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 HAMLET HILL RD UNIT 712, 712, BALTIMORE, MD 21210-1517
Investor	Possibly a Property Investor

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Aug 29, 2023
Property Address	3890 MAIN ST, TRAPPE, MD 21673-1666
Document Number	0030700037
Book / Page	3070 / 37
Instrument Date	Jul 14, 2023
Transaction Type	Transfer
Record Updated	Sep 15, 2023
Title Company	NOT AVAILABLE, NEW WORKD TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Tax	$1,127.50
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 HAMLET HILL RD UNIT 712, 712, BALTIMORE, MD 21210-1517

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	$3,326.00 Homeowner's exemption	$360,400 (+56.97%) Land $78,600 Building $281,800	$360,400 (+56.97%) Land $78,600 Building $281,800
2025	$3,326.00 (+100.97%) Homeowner's exemption
2023	$1,655.00 Homeowner's exemption	$229,600 Land $79,500 Building $150,100	$229,600 Land $79,500 Building $150,100

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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