4094 Main St, Trappe, MD 21673 Property Records

Talbot County property record for 4094 Main St, Trappe, MD 21673

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,482 sqft · built 1900
Lot Size	0.717 acres (31,250 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Nov 2018)
Tax Bill	$2,664 (2026)
Deeds & Mortgages	Mar 2020 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-106357`

Property Details

APN / Parcel Number

Primary APN	`03-106357`
Alternative APNs	`3106357` `106357`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,482 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood Shingle
Roof Material	Composition Shingle
Lot Area	31,250 sqft (0.717 acres)
Lot Dimensions	250 ft deep x 125 ft wide
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	677 sqft
Shed	1 Shed
Shed Area	960 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	106357
Street Address	4094 MAIN ST
City	TRAPPE
State	MD
Zip	21673-1868
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5,6 - 125X250 W/S MAIN ST TRAPPE
Legal Lot Number	5,6
Jurisdiction	TALBOT MD
Township / Civil Division	3, TRAPPE
Census Block Group	3
Census Block	3011
Census Tract	960900

Owner

4094 Main St is owned and occupied by two individuals who bought it in November 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	4094 MAIN ST, TRAPPE, MD 21673-1868
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
Mar 18, 2020	Deed of Trust, Mortgage · Conventional with PMI NFM LNDG
Nov 26, 2018	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2018 · Amount on File
Deed Sale	Nov 26, 2018 · Amount on File
Prior Sale	Jul 27, 1999 · Amount on File
Deed Book / Page	2578 / 51
Prior Transfer Date	Jul 15, 2015
Prior Transfer Doc	0022800340
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	4094 MAIN ST, TRAPPE, MD 21673-1868
Document Number	0027130457
Instrument Date	Mar 18, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	RESOURCE R/E SERVICES, RESOURCE R/E SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4094 MAIN ST TRAPPE MD 216731868, TRAPPE, MD 21673-1868

Mortgage

Document Number	0027130457
Date	Jun 11, 2020
Book Page	002713/000457

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 10, 2050

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Nov 26, 2018
Property Address	4094 MAIN ST, TRAPPE, MD 21673-1868
Document Number	0025780051
Book / Page	2578 / 051
Map Reference	LB193 FO182
Instrument Date	Nov 15, 2018
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4094 MAIN ST, TRAPPE, MD 21673-1868

Mortgage

Document Number	0025780059
Date	Nov 26, 2018
Book Page	2578/059

Lender

Name	FIRST HOME MORTGAGE CORPORATION
Type	Non-Lending Institution
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 4094 Main St was $2,664 with a homeowner's exemption, up 2% 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	$2,664.00 (+2.03%) Homeowner's exemption	$301,900 (+7.32%) Land $71,800 Building $230,100	$301,900 (-) Land $71,800 Building $230,100
2025	$2,611.00 Homeowner's exemption	$281,300	$301,900 Land $71,800 Building $230,100
2023	$2,273.00 Homeowner's exemption	$240,100 Land $71,800 Building $168,300	$240,100 Land $71,800 Building $168,300

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

Flood

FEMA maps place 4094 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 4094 Main St is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · above 75% of Maryland
Wildfire Likelihood	0.05% 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 92 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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