3950 School St, Trappe, MD 21673 Property Records

Talbot County property record for 3950 School St, Trappe, MD 21673

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,420 sqft · built 1951
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Mar 2020)
Tax Bill	$2,671 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-106535`

Property Details

APN / Parcel Number

Primary APN	`03-106535`
Alternative APNs	`3106535` `106535`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,420 sqft Total Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	365 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	106535
Street Address	3950 SCHOOL ST
City	TRAPPE
State	MD
Zip	21673-1982
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 16 & 18 - 100X1 W/S SCHOOL ST TRAPPE
Legal Lot Number	16,18
Jurisdiction	TALBOT MD
Township / Civil Division	3, TRAPPE
Census Block Group	3
Census Block	3009
Census Tract	960900

Owner

3950 School St is owned and occupied by two individuals who bought it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3950 SCHOOL ST, TRAPPE, MD 21673-1982
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 4, 2020	Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2020 · Amount on File
Deed Sale	Mar 4, 2020 · Amount on File
Deed Book / Page	2686 / 317
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	3950 SCHOOL ST, TRAPPE, MD 21673-1982
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029390459
Date	Jan 19, 2022
Book Page	2939/459

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	339 Months
Due	Apr 1, 2050

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Mar 4, 2020
Property Address	3950 SCHOOL ST, TRAPPE, MD 21673-1982
Document Number	0026860317
Book / Page	2686 / 317
Instrument Date	Feb 28, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	TITLE EXCELLENCE

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	3950 SCHOOL ST, TRAPPE, MD 21673-1982

Mortgage

Document Number	0002686325
Date	Mar 4, 2020
Instrument	2686/325

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 3950 School St was $2,671, up 7.1% from the year before.

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	$2,671.00 (+7.05%)	$215,500 Land $55,000 Building $160,500	$215,500 Land $55,000 Building $160,500
2025	$2,495.00
2023	$1,927.00	$177,200 Land $55,000 Building $122,200	$177,200 Land $55,000 Building $122,200

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

Flood

FEMA maps place 3950 School St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3950 School St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 74% of Maryland
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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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