3971 Main St, Trappe, MD 21673 Property Records

Talbot County property record for 3971 Main St, Trappe, MD 21673

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,876 sqft · built 1920
Lot Size	0.402 acres (17,490 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Mar 2024)
Tax Bill	$2,585 (2026)
Deeds & Mortgages	Apr 2025 Mortgage Oct 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-106365`

Property Details

APN / Parcel Number

Primary APN	`03-106365`
Alternative APNs	`3106365` `106365`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,876 sqft Total Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	17,490 sqft (0.402 acres)
Lot Dimensions	250 ft deep x 75 ft wide
Porch	Slab
Porch Area	277 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	106365
Street Address	3971 MAIN ST
City	TRAPPE
State	MD
Zip	21673
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 75X250 E/S MAIN ST TRAPPE
Jurisdiction	TALBOT MD
Township / Civil Division	3, TRAPPE
Census Block Group	3
Census Block	3013
Census Tract	960900

Owner

3971 Main St is owned and occupied by two individuals who bought it in March 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	3971 MAIN ST, TRAPPE, MD 21673
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
Apr 14, 2025	Deed of Trust, Mortgage · Commercial Mortgage THE QUEENSTOWN BANK OF MARYLAND
Oct 1, 2024	Deed of Trust, Mortgage · Commercial Mortgage THE QUEENSTOWN BANK OF MARYLAND
Dec 23, 2025	Deed, Transfer · Conventional Mortgage FULTON BANK NA
Mar 18, 2024	Deed, Transfer · Unknown THE QUEENSTOWN BANK OF MARYLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2024 · Amount on File
Deed Sale	Mar 18, 2024 · Amount on File
Prior Sale	Nov 2, 2006
Deed Book / Page	3103 / 416
Prior Transfer Date	Sep 18, 2006
Prior Transfer Doc	0014910442
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	3971 MAIN ST, TRAPPE, MD 21673
Transaction Type	Mortgage
Record Updated	Jan 7, 2026
Title Company	EASTERN MT TITLE COMPANY, EASTERN SHORE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3873 MAIN ST, TRAPPE, MD 21673-1666

Mortgage

Document Number	0031770313
Date	Apr 14, 2025
Book Page	3177/313

Lender

Name	THE QUEENSTOWN BANK OF MARYLAND
Type	Bank
Address	QUEENSTOWN, MD 21658

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	3971 MAIN ST, TRAPPE, MD 21673
Transaction Type	Mortgage
Record Updated	Jan 7, 2026
Title Company	EASTERN MT TITLE COMPANY, EASTERN SHORE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3873 MAIN ST, TRAPPE, MD 21673-1666

Mortgage

Document Number	0031400488
Date	Oct 1, 2024
Book Page	3140/488

Lender

Name	THE QUEENSTOWN BANK OF MARYLAND
Type	Bank
Address	QUEENSTOWN, MD 21658

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Dec 23, 2025
Property Address	3971 MAIN ST, TRAPPE, MD 21673
Document Number	0032330274
Book / Page	3233 / 274
Instrument Date	Dec 19, 2025
Transaction Type	Transfer
Record Updated	Jan 7, 2026
Title Company	EASTERN MT TITLE COMPANY, EASTERN SHORE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,880.00
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	3971 MAIN ST, TRAPPE, MD 21673

Mortgage

Document Number	0003233279
Date	Dec 23, 2025
Instrument	3233/279

Lender

Name	FULTON BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

March 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Mar 18, 2024
Property Address	3971 MAIN ST, TRAPPE, MD 21673
Document Number	0031030416
Book / Page	3103 / 416
Instrument Date	Mar 7, 2024
Transaction Type	Transfer
Record Updated	Mar 29, 2024
Title Company	EASTERN MT TITLE COMPANY, EASTERN SHORE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$625.00
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 in Severalty
Address	3873 MAIN ST, TRAPPE, MD 21673-1666

Mortgage

Document Number	0031030421
Date	Mar 18, 2024
Instrument	3103-0421

Lender

Name	THE QUEENSTOWN BANK OF MARYLAND
Type	Bank

Agreement

Type	Unknown
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3971 Main St was $2,585, up 7.8% 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	$2,585.00 (+7.8%)	$208,000 (+7.09%) Land $63,500 Building $144,500	$208,000 (-) Land $63,500 Building $144,500
2025	$2,398.00	$194,233	$208,000 Land $63,500 Building $144,500
2023	$735.00 Homeowner's exemption	$166,700 Land $63,500 Building $103,200	$166,700 Land $63,500 Building $103,200

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

Flood

FEMA maps place 3971 Main 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 3971 Main 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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