Talbot County property record for 5289 Ferry Neck Rd, Royal Oak, MD 21662
| Property Type | Rural Home |
|---|---|
| Details | 1 ba · 533 sqft · built 1988 |
| Lot Size | 145 acres (6,353,096 sqft) |
| Owner | Company Name on Record |
| Last Sale | $6,600,000 (Jan 2009) |
| Tax Bill | $35,066 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-069776 |
| Primary APN | 02-069776 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Half Baths | 1 Half Bath |
| Units | 5 Units |
| Stories | 1 Story |
| Building Area | 533 sqft Total Area |
| Basement Area | 426 sqft |
| Unfinished Basement | 426 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Construction Type | Frame |
| Roof Material | Wood Shingle |
| Lot Area | 6,353,096 sqft (145 acres) |
| View / Lot | Waterfront |
| Pool Area | 1,000 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 4,194 sqft |
| Deck Area | 696 sqft |
| Shed | 1 Shed |
| Shed Area | 3,640 sqft |
| Greenhouse | 144 sqft |
| Tennis Court | Tennis Court |
| Boat Access | Boat Access |
| Total Buildings | 5 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 069776 |
|---|---|
| Street Address | 5289 FERRY NECK RD |
| City | ROYAL OAK |
| State | MD |
| Zip | 21662-1216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | IMPS - 145.847 AC E/S FERRY NECK ROAD NR BELLEVUE KMD 89/109 |
| Legal Subdivision | HARRY R SMITH JR LANDS SURV |
| Jurisdiction | TALBOT MD |
| Township / Civil Division | 2, ST. MICHAELS |
| Census Block Group | 1 |
| Census Block | 1060 |
| Census Tract | 960600 |
Source: Talbot County records, as of September 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 20 SALT MARSH DR, FERNANDINA BEACH, FL 32034-6434 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 15, 2009 · Amount on Record |
| Deed Sale | Jan 15, 2009 · Amount on Record |
| Prior Sale | Jan 16, 2008 · Amount on Record |
| Deed Document Number | 200990043 |
| Deed Book / Page | 1660 / 674 |
| Prior Transfer Date | Jan 11, 2008 |
| Prior Transfer Doc | 0015960333 |
| Record Updated | Oct 29, 2026 |
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 | $35,066.00 (+3.29%) | $3,771,500 (+1.68%) | $3,896,300 (+5.05%) Land $1,756,800 Building $2,139,500 |
| 2025 | $33,948.00 (+24.49%) | $3,709,100 (+16.34%) Land $1,641,800 Building $2,067,300 | $3,709,100 (-) Land $1,641,800 Building $2,067,300 |
| 2023 | $27,270.00 | $3,188,033 | $3,709,100 Land $1,641,800 Building $2,067,300 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 Record median of 252 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 252 in force |
| Nearby Flood Claims | 80 (1996–2026) |
| Claims Outside the SFHA | 27 of 80 |
| Most Recent Claim | Jul 2026 · rainfall accumulation |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 80% of Maryland |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Easton Velocity Fiber | 1,000 / 125 |
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