Talbot County property record for 405 Parsonage Ln, Saint Michaels, MD 21663
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,404 sqft · built 1964 |
| Lot Size | 0.517 acres (22,500 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,132 (2026) |
| Deeds & Mortgages | Dec 2025 Sale Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-081032 |
| Primary APN | 02-081032 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,404 sqft Total Area |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 22,500 sqft (0.517 acres) |
| Lot Dimensions | 150 ft deep x 150 ft wide |
| Porch | Slab |
| Porch Area | 330 sqft |
| Patio Area | 72 sqft |
| Heating System | Baseboard |
|---|---|
| Sewer | Connected |
| Account Number | 081032 |
|---|---|
| Street Address | 405 PARSONAGE LN |
| City | SAINT MICHAELS |
| State | MD |
| Zip | 21663-2945 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 34,35,36 - 150X1 N/S BENTLEY AVE ST MICHAELS |
| Legal Subdivision | BENTLEY HAY |
| Legal Lot Number | 34-36 |
| Jurisdiction | TALBOT MD |
| Township / Civil Division | 2, ST. MICHAELS |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 960700 |
405 Parsonage Ln is owned and occupied by two individuals who acquired it in December 2025.
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 | 405 PARSONAGE LN, SAINT MICHAELS, MD 21663-2945 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Dec 2, 2025 | Deed, Transfer |
| Oct 31, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 1, 2025 |
| Transfer Doc | 0032270368 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | TALBOT MD |
| Recording Date | Dec 2, 2025 |
| Property Address | 405 PARSONAGE LN, ST MICHAELS, MD 21663-2945 |
| Document Number | 0032270368 |
| Book / Page | 3227 / 368 |
| Instrument Date | Dec 1, 2025 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 PARSONAGE LN, ST MICHAELS, MD 21663-2945 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TALBOT MD |
| Property Address | 405 PARSONAGE LN, ST MICHAELS, MD 21663-2945 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0024890414 |
|---|---|
| Date | Oct 31, 2017 |
| Book Page | 2489/414 |
| Instrument | 2489-414 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | NOTTINGHAM, MD 21236 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Nov 1, 2027 |
The 2026 property tax bill for 405 Parsonage Ln was $1,132 with a homeowner's exemption, up 3.7% from the year before.
Source: Talbot County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Talbot County |
| Unified School District | Talbot County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,132.00 (+3.66%) Homeowner's exemption | $309,533 (+8.04%) | $355,600 (+24.12%) Land $206,500 Building $149,100 |
| 2025 | $1,092.00 Homeowner's exemption | $286,500 Land $141,700 Building $144,800 | $286,500 Land $141,700 Building $144,800 |
| 2023 | $1,020.00 Homeowner's exemption | $267,433 | $286,500 Land $141,700 Building $144,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Parsonage Ln in Zone X, an area of minimal flood risk, though there have been 42 flood claims nearby since 1978.
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 |
| Flood Insurance Cost | Premium on File median of 132 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 140 units insured incl. 8 condo units |
| Nearby Flood Claims | 42 (1978–2024) |
| Claims Outside the SFHA | 13 of 42 |
| Most Recent Claim | Jan 2024 · river or lake flooding |
| Claims by Event |
|
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 risk around 405 Parsonage Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.5% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF TRAPPE serves 1,200 people · EPA ID MD0200007 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 125 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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