Talbot County property record for 5451 Windward Dr, Tilghman, MD 21671
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,031 sqft · built 1970 |
| Lot Size | 0.437 acres (19,050 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $239,900 (Aug 2005) |
| Tax Bill | $1,309 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-183804 |
| Primary APN | 05-183804 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,031 sqft Total Area |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 19,050 sqft (0.437 acres) |
| Lot Dimensions | 150 ft deep x 127 ft wide |
| Garage Type | Detached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 156 sqft |
| Deck Area | 170 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 183804 |
|---|---|
| Street Address | 5451 WINDWARD DR |
| City | TILGHMAN |
| State | MD |
| Zip | 21671 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | V1 |
| Legal Description | LOT 12 SEC 2-127X150 W/S BLACK WALNUT PT RD TILGHMAN ISLAND BEACH |
| Legal Subdivision | TILGHMAN ISLAND BEACH |
| Legal Lot Number | 12 |
| Jurisdiction | TALBOT MD |
| Township / Civil Division | 5, BAY HUNDRED |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 960800 |
Source: Talbot County records, as of August 18, 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 | PO BOX 306, TILGHMAN, MD 21671-0306 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 19, 2026 | Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE |
| Dec 28, 2021 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2005 · Amount on Record |
| Deed Sale | Aug 23, 2005 · Amount on Record |
| Prior Sale | Jun 24, 1996 · Amount on Record |
| Deed Document Number | 200551419 |
| Deed Book / Page | 1364 / 366 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TALBOT MD |
| Recording Date | May 19, 2026 |
| Property Address | 5451 WINDWARD DR, TILGHMAN, MD 21671 |
| Document Number | 3267000340 |
| Book / Page | 3267 / 340 |
| Instrument Date | Apr 22, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 3267000340, |
|---|---|
| Date | May 19, 2026 |
| Book Page | 3267/340 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TALBOT MD |
| Property Address | 5451 WINDWARD DR, TILGHMAN, MD 21671 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0029310170 |
|---|---|
| Date | Dec 28, 2021 |
| Book Page | 2931/170 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Nov 1, 2046 |
Source: Talbot County assessment roll, as of August 12, 2025
| 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 | $193,867 (+8.73%) | $225,000 (+26.19%) Land $114,000 Building $111,000 | |
| 2025 | $1,309.00 (+7.12%) Homeowner's exemption | $178,300 (+7.82%) Land $81,300 Building $97,000 | $178,300 (-) Land $81,300 Building $97,000 |
| 2023 | $1,222.00 Homeowner's exemption | $165,367 | $178,300 Land $81,300 Building $97,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
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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