5401 Windward Dr, Tilghman, MD 21671 Property Records

Talbot County property record for 5401 Windward Dr, Tilghman, MD 21671

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,248 sqft · built 1994
Lot Size	0.448 acres (19,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Dec 2018)
Tax Bill	$2,448 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`05-187559`

Property Details

APN / Parcel Number

Primary APN	`05-187559`
Alternative APNs	`5187559` `187559`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,248 sqft Total Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	19,500 sqft (0.448 acres)
Lot Dimensions	150 ft deep x 130 ft wide
Porch	Slab
Deck Area	36 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	187559
Street Address	5401 WINDWARD DR
City	TILGHMAN
State	MD
Zip	21671
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 SEC 2-130X150 W/S BLACK WALNUT PT RD TILGHMAN ISLAND BEACH
Legal Subdivision	TILGHMAN ISLAND BEACH
Legal Lot Number	8
Jurisdiction	TALBOT MD
Township / Civil Division	5, BAY HUNDRED
Census Block Group	2
Census Block	2029
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	835 GREEN RIDGE RD, ORRTANNA, PA 17353-9651
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage ACNB BANK
Jan 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage ACNB BANK
Dec 11, 2018	Deed, Transfer · Conventional Mortgage ACNB BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2018 · Amount on Record
Deed Sale	Dec 11, 2018 · Amount on Record
Prior Sale	Aug 14, 1987 · Amount on Record
Deed Book / Page	2581 / 300
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	5401 WINDWARD DR, TILGHMAN, MD 21671
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	MADISON SETTLEMENT SERVICES, MADISON SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028290211
Date	Apr 6, 2021
Book Page	2829/211

Lender

Name	ACNB BANK
Type	Bank
Address	GETTYSBURG, PA 17325

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Mar 1, 2036

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	5401 WINDWARD DR, TILGHMAN, MD 21671
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026750095
Date	Jan 21, 2020
Book Page	2675/095

Lender

Name	ACNB BANK
Type	Bank
Address	GETTYSBURG, PA 17325

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2040

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Dec 11, 2018
Property Address	5401 WINDWARD DR, TILGHMAN, MD 21671
Document Number	0025810300
Book / Page	2581 / 300
Map Reference	MB23 FO14
Instrument Date	Sep 24, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,375.00
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
Relationship	Tenants by the Entirety
Address	5401 WINDWARD DR, TILGHMAN, MD 21671

Mortgage

Document Number	0002581307
Date	Dec 11, 2018
Instrument	2581/307

Lender

Name	ACNB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Oct 1, 2048

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	$2,448.00 (+12.14%)	$265,600 (+20.65%)	$315,600 (+31.17%) Land $128,100 Building $187,500
2025	$2,183.00 (+15.93%)
2023	$1,883.00	$220,133	$240,600 Land $91,500 Building $149,100

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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