Talbot County property record for 5440 Anchor Rd, Tilghman, MD 21671
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,512 sqft · built 2018 |
| Lot Size | 0.465 acres (20,250 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $375,000 (Dec 2025) |
| Tax Bill | $2,652 (2026) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Jan 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-177227 |
| Primary APN | 05-177227 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,512 sqft Total Area |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 20,250 sqft (0.465 acres) |
| Lot Dimensions | 150 ft deep x 135 ft wide |
| Deck Area | 156 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 177227 |
|---|---|
| Street Address | 5440 ANCHOR RD |
| City | TILGHMAN |
| State | MD |
| Zip | 21671-1190 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 SEC 2 - 135X15 W/S ANCHOR ROAD TILGHMAN ISLAND BEACH |
| Legal Subdivision | TILGHMAN ISLAND BEACH TILGHMAN ISLAND |
| Legal Lot Number | 4 |
| Jurisdiction | TALBOT MD |
| Township / Civil Division | 5, BAY HUNDRED |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 960800 |
5440 Anchor Rd is owned and occupied by two individuals who bought it in December 2025.
Source: Talbot County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5440 ANCHOR RD, TILGHMAN, MD 21671-1190 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 16, 2025 | Deed, Transfer · Conventional Mortgage REDWOOD CAPITAL INC |
| Jan 30, 2018 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK |
| May 5, 2017 | Deed, Transfer · Commercial Mortgage PROVIDENT STATE BANK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 16, 2025 · Amount on File |
| Deed Sale | Dec 16, 2025 · Amount on File |
| Prior Sale | May 5, 2017 · Amount on File |
| Deed Book / Page | 3231 / 145 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | TALBOT MD |
| Recording Date | Dec 16, 2025 |
| Property Address | 5440 ANCHOR RD, TILGHMAN, MD 21671 |
| Document Number | 0032310145 |
| Book / Page | 3231 / 145 |
| Instrument Date | Dec 10, 2025 |
| Transaction Type | Transfer |
| Record Updated | Jan 6, 2026 |
| Title Company | EAGLE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,875.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5440 ANCHOR RD, TILGHMAN, MD 21671 |
| Document Number | 0003231152 |
|---|---|
| Date | Dec 16, 2025 |
| Instrument | 3231/152 |
| Name | REDWOOD CAPITAL INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TALBOT MD |
| Property Address | 5440 ANCHOR RD, TILGHMAN, MD 21671 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | EASTERN SHORE TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0025100278 |
|---|---|
| Date | Jan 30, 2018 |
| Book Page | 2510/278 |
| Instrument | 2510-278 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2048 |
| Document Type | Deed |
|---|---|
| Jurisdiction | TALBOT MD |
| Recording Date | May 5, 2017 |
| Property Address | 5440 ANCHOR RD, TILGHMAN, MD 21671 |
| Document Number | 0024440449 |
| Book / Page | 2444 / 449 |
| Map Reference | LB23 FO14 |
| Instrument Date | May 3, 2017 |
| Instrument | 2444-449 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | EASTERN SHORE TITLE CO |
| Amount | Amount on Record |
|---|---|
| Tax | $900.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 28524 AUGUSTA CT, EASTON, MD 21601-8376 |
| Document Number | 0002444453 |
|---|---|
| Date | May 5, 2017 |
| Instrument | 2444-453 |
| Name | PROVIDENT STATE BANK INC |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 5440 Anchor Rd was $2,652 with a homeowner's exemption, up 26.2% from the year before.
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 | $2,652.00 (+26.17%) Homeowner's exemption | $287,733 (+10.16%) | $340,800 (+30.47%) Land $119,100 Building $221,700 |
| 2025 | $2,102.00 | $261,200 Land $85,100 Building $176,100 | $261,200 Land $85,100 Building $176,100 |
| 2023 | $1,958.00 Homeowner's exemption | $238,733 | $261,200 Land $85,100 Building $176,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5440 Anchor Rd 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 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 |
|
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 risk around 5440 Anchor Rd is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 92% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% 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 112 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 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
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