409 S Talbot St, Saint Michaels, MD 21663 Property Records

Talbot County property record for 409 S Talbot St, Saint Michaels, MD 21663

Property Summary

Property Type	Restaurant
Details	1,954 sqft · built 1900
Lot Size	0.144 acres (6,292 sqft)
Owner	Company Name on File
Last Sale	$490,000 (May 2008)
Tax Bill	$8,910 (2026)
Deeds & Mortgages	May 2018 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-064855`

Property Details

APN / Parcel Number

Primary APN	`02-064855`
Alternative APNs	`2064855` `064855`

Interior

Stories	2 Stories
Building Area	1,954 sqft Total Area
1st Floor Area	1,954 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	6,292 sqft (0.144 acres)
Lot Dimensions	120 ft deep x 51 ft wide
Garage Type	Detached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	621 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	064855
Street Address	409 S TALBOT ST
City	SAINT MICHAELS
State	MD
Zip	21663
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Legal Description	LOT 6,292 SF E/S TALBOT ST ST MICHAELS
Legal Subdivision	MATTHEW E MITCHELL LAND
Legal Lot Number	409
Jurisdiction	TALBOT MD
Township / Civil Division	2, ST. MICHAELS
Census Block Group	4
Census Block	4015
Census Tract	960700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the St. Michaels Historic District listed 1986 · 300 contributing resources · NRIS 86002427

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

409 S Talbot St, a commercial property, is owned by a company that bought it in May 2008.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 1227, SAINT MICHAELS, MD 21663-1227
Owner Type	Company
Vesting	Company

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
May 14, 2018	Deed of Trust, Mortgage · Commercial Mortgage SHORE UNKITED BANK
May 14, 2018	Deed of Trust, Mortgage · Commercial Mortgage CNB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2008 · Amount on File
Deed Sale	May 1, 2008 · Amount on File
Prior Sale	Mar 21, 2006 · Amount on File
Deed Document Number	200880615
Deed Book / Page	1619 / 403
Transfer Doc	0000001158
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	409 TALBOT ST, ST MICHAELS, MD 21663
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EASTERN SHORE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025350198
Date	May 14, 2018
Book Page	2535/198

Lender

Name	SHORE UNKITED BANK
Type	Non-Lending Institution
Address	SAINT MICHAELS, MD 21663

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	409 TALBOT ST, ST MICHAELS, MD 21663
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EASTERN SHORE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025350236
Date	May 14, 2018
Book Page	2535/236

Lender

Name	CNB
Type	Bank
Address	SAINT MICHAELS, MD 21663

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 409 S Talbot St was $8,910, up 4.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,910.00 (+4.06%)	$699,833	$719,900 Land $456,100 Building $263,800
2025	$8,562.00
2023	$7,687.00	$641,400	$689,800 Land $461,700 Building $228,100

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

Flood

FEMA maps place 409 S Talbot St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 33 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	5 (2003)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2003 · Hurricane Isabel
Claims by Event	Hurricane Isabel, Sep 2003 · 5 claims

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

The area around 409 S Talbot St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 307 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

May also be available: AT&T.

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