Talbot County property record for 5551 Ferry Neck Rd, Royal Oak, MD 21662
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 938 sqft · built 2007 |
| Lot Size | 2.95 acres (128,502 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $127,500 (Jun 1985) |
| Tax Bill | $4,004 (2026) |
| Flood Zone | Zone AE (high risk) |
| APN | 02-070839 |
| Primary APN | 02-070839 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 938 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Wood Shingle |
| Lot Area | 128,502 sqft (2.95 acres) |
| View / Lot | Waterfront |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Deck Area | 624 sqft |
| Boat Access | Boat Access |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 070839 |
|---|---|
| Street Address | 5551 FERRY NECK RD |
| City | ROYAL OAK |
| State | MD |
| Zip | 21662-1222 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 |
| Legal Description | LOT 2.954 AC E/S FERRY NECK RD NR BELLEVUE |
| Jurisdiction | TALBOT MD |
| Township / Civil Division | 2, ST. MICHAELS |
| Census Block Group | 1 |
| Census Block | 1060 |
| Census Tract | 960600 |
5551 Ferry Neck Rd is owned and occupied by two individuals who bought it in June 1985.
Source: Talbot County records, as of September 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5551 FERRY NECK RD, ROYAL OAK, MD 21662-1222 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 1985 · Amount on File |
| Deed Sale | Jun 25, 1985 · Amount on File |
| Deed Book / Page | 601 / 466 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 5551 Ferry Neck Rd was $4,004 with a homeowner's exemption, up 2.7% 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 | $4,004.00 (+2.69%) Homeowner's exemption | $1,141,367 | $1,223,500 Land $728,500 Building $495,000 |
| 2025 | $3,899.00 Homeowner's exemption | ||
| 2023 | $3,365.00 Homeowner's exemption | $996,433 | $1,100,300 Land $647,600 Building $452,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5551 Ferry Neck Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 | 5.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 5551 Ferry Neck Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 90% of Maryland |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
May also be available: Easton Velocity, T-Mobile.
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