5396 Windward Dr, Tilghman, MD 21671 Property Records

Talbot County property record for 5396 Windward Dr, Tilghman, MD 21671

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,494 sqft · built 2024
Lot Size	0.458 acres (19,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$237,500 (May 2022)
Tax Bill	$8,165 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2024 Construction Loan + 2 more
Flood Zone	Zone AE (high risk)
APN	`05-181526`

Property Details

APN / Parcel Number

Primary APN	`05-181526`
Alternative APNs	`5181526` `181526`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,494 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	19,939 sqft (0.458 acres)
Lot Dimensions	150 ft deep x 132 ft wide
View / Lot	Waterfront
Garage Type	Built-in
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	84 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	181526
Street Address	5396 WINDWARD DR
City	TILGHMAN
State	MD
Zip	21671-1244
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 SEC 1- 19,939 W/S BLACK WALNUT PT RD TILGHMAN ISLAND BEACH
Legal Subdivision	TILGHMAN ISLAND BEACH
Legal Lot Number	10
Jurisdiction	TALBOT MD
Township / Civil Division	5, BAY HUNDRED
Census Block Group	2
Census Block	2026
Census Tract	960800

Owner

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	2 Individual Names on Record
Mailing Address	5396 WINDWARD DR, TILGHMAN, MD 21671-1244
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage TD BANK
Mar 4, 2024	Quit Claim Deed, Transfer · Construction Mortgage TD BANK NA
May 24, 2022	Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
Jun 30, 2020	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2022 · Amount on Record
Deed Sale	May 24, 2022 · Amount on Record
Prior Sale	Jun 30, 2020 · Amount on Record
Deed Book / Page	2978 / 413
Last Transfer Date	Mar 1, 2024
Transfer Doc	0031010303
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Recording Date	Apr 16, 2026
Property Address	5396 WINDWARD DR, TILGHMAN, MD 21671-1244
Document Number	3259000257
Book / Page	3259 / 257
Instrument Date	Apr 3, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NEWCASTLE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5396 WINDWARD DR, TILGHMAN, MD 21671-1244

Mortgage

Document Number	3259000257,
Date	Apr 16, 2026
Book Page	3259/257

Lender

Name	TD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TALBOT MD
Recording Date	Mar 4, 2024
Property Address	WINDWARD DR, TILGHMAN, MD 21671
Document Number	0031010303
Book / Page	3101 / 303
Map Reference	LB 88 FO 4
Instrument Date	Mar 1, 2024
Transaction Type	Transfer
Record Updated	Mar 20, 2024
Title Company	NOT AVAILABLE, MBO SETTLEMENT INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	722 HEMLOCK RD, MEDIA, PA 19063-1710

Mortgage

Document Number	0031010308
Date	Mar 4, 2024
Instrument	3101-0308

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.5%
Margin	3
Max Rate	11.5%

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	May 24, 2022
Property Address	WINDWARD DR, TILGHMAN, MD 21671
Document Number	0029780413
Book / Page	2978 / 413
Map Reference	MB 88 FO 4
Instrument Date	May 20, 2022
Transaction Type	Transfer
Record Updated	Jun 2, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417A E STATE ST, MEDIA, PA 19063-3519

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	TALBOT MD
Recording Date	Jun 30, 2020
Property Address	WINDWARD DR, TILGHMAN, MD 21671
Document Number	0027190446
Book / Page	002719 / 000446
Instrument Date	Jun 24, 2020
Transaction Type	Transfer
Record Updated	Aug 12, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$165.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2316 N WAHSATCH AVE #204 COLORADO SPRINGS CO 809076941, 204, COLORADO SPRINGS, CO 80907-6941

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
County	Talbot County
Unified School District	Talbot County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,165.00 (-3.58%) Homeowner's exemption	$885,700 (-5.11%) Land $299,600 Building $586,100	$885,700 (-5.11%) Land $299,600 Building $586,100
2025	$8,468.00 (+326.6%)	$933,400 (+302.15%) Land $262,100 Building $671,300	$933,400 (+302.15%) Land $262,100 Building $671,300
2023	$1,985.00	$232,100 Land $232,100	$232,100 Land $232,100

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	4.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 194 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	194 in force
Nearby Flood Claims	88 (1979–2024)
Claims Outside the SFHA	17 of 88
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 68 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Breezeline Cable	250 / 20

May also be available: Easton Velocity.

Cell Coverage

4G LTE only, no 5G reported

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