Talbot County property record for 5612 Trafalgar Cir, Tilghman, MD 21671
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,472 sqft · built 2023 |
| Lot Size | 0.25 acres (10,883 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $524,581 (Aug 2023) |
| Tax Bill | $4,156 (2026) |
| Deeds & Mortgages | Feb 2026 Line of Credit Feb 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-197570 |
| Primary APN | 05-197570 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,472 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,883 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 197570 |
|---|---|
| Street Address | 5612 TRAFALGAR CIR |
| City | TILGHMAN |
| State | MD |
| Zip | 21671-1152 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 10 PH 4 - 10,883 E/S BLACK WALNUT PT RD TILGHMAN ON CHESAPEAKE |
| Legal Phase | 4 |
| Legal Lot Number | 10 |
| Jurisdiction | TALBOT MD |
| Township / Civil Division | 5, BAY HUNDRED |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 960800 |
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 Record |
|---|---|
| Mailing Address | 5612 TRAFALGAR CIR, TILGHMAN, MD 21671-1152 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 24, 2026 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Feb 21, 2023 | Deed of Trust, Mortgage · Unknown PRIMIS BANK |
| Aug 22, 2023 | Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD |
| Dec 4, 2019 | Grant Deed, Transfer NEW WORLD TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 2023 · Amount on Record |
| Deed Sale | Aug 22, 2023 · Amount on Record |
| Prior Sale | Dec 4, 2019 · Amount on Record |
| Deed Book / Page | 3068 / 190 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TALBOT MD |
| Property Address | 5612 TRAFALGAR CIR, TILGHMAN, MD 21671-1152 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 5612 TRAFALGAR CIR, TILGHMAN, MD 21671-1152 |
| Document Number | 0032450487 |
|---|---|
| Date | Feb 24, 2026 |
| Book Page | 3245/487 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Feb 25, 2066 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TALBOT MD |
| Property Address | 5612 TRAFALGAR CIR, TILGHMAN, MD 21671-1152 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2023 |
| Title Company | MID ATLANTIC TITLE, MID ATLANTIC TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0030340037 |
|---|---|
| Date | Feb 21, 2023 |
| Book Page | 3034/37 |
| Name | PRIMIS BANK |
|---|---|
| Type | Bank |
| Address | ASHLAND, VA 23005 |
| Type | Unknown |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | TALBOT MD |
| Recording Date | Aug 22, 2023 |
| Property Address | 5612 TRAFALGAR CIR, TILGHMAN, MD 21671-1152 |
| Document Number | 0030680190 |
| Book / Page | 3068 / 190 |
| Map Reference | MB 81 FO 667-668 |
| Instrument Date | Aug 7, 2023 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2023 |
| Title Company | MID ATLANTIC TITLE, MID ATLANTIC TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,311.45 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5612 TRAFALGAR CIR, TILGHMAN, MD 21671-1152 |
| Document Number | 0030680202 |
|---|---|
| Date | Aug 22, 2023 |
| Instrument | 3068-0202 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2038 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | TALBOT MD |
| Recording Date | Dec 4, 2019 |
| Property Address | 5612 TRAFALGAR CIR, TILGHMAN, MD 21671-1152 |
| Document Number | 0026630160 |
| Book / Page | 002663 / 000160 |
| Instrument Date | Dec 2, 2019 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2019 |
| Title Company | NEW WORLD TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $262.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5621 OLD FREDERICK RD #1 CATONSVILLE MD 212281554, 1, CATONSVILLE, MD 21228-1554 |
| Investor | Possibly a Property Investor |
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 | $4,156.00 (+2.85%) Homeowner's exemption | $489,167 (+904.45%) | $576,500 (+1,083.78%) Land $78,700 Building $497,800 |
| 2025 | $4,041.00 (+871.39%) Homeowner's exemption | ||
| 2023 | $416.00 | $48,700 Land $48,700 | $48,700 Land $48,700 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| 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 | 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 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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