Talbot County property record for 5840 S Main St, Tilghman, MD 21671
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,176 sqft · built 1950 |
| Lot Size | 0.36 acres (15,675 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $1,629 (2026) |
| Deeds & Mortgages | May 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-183537 |
| Primary APN | 05-183537 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,176 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 15,675 sqft (0.36 acres) |
| Lot Dimensions | 209 ft deep x 75 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Space Heater |
| Sewer | Connected |
| Account Number | 183537 |
|---|---|
| Street Address | 5840 TILGHMAN ISLAND RD |
| City | TILGHMAN |
| State | MD |
| Zip | 21671-1156 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 20 BLK 3 - 75X20 W/S S MAIN ST TILGHMAN |
| Legal Subdivision | SETH JAMES M |
| Legal Block | 3 |
| Legal Lot Number | 20 |
| Jurisdiction | TALBOT MD |
| Township / Civil Division | 5, BAY HUNDRED |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 960800 |
5840 S Main St is held in a trust since June 2004.
Source: Talbot County records, as of September 29, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | PO BOX 104, TILGHMAN, MD 21671-0104 |
| Owner Type | Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 21, 2004 |
| Deed Sale | Jun 21, 2004 |
| Prior Sale | Feb 15, 2001 |
| Deed Document Number | 200441014 |
| Deed Book / Page | 1255 / 291 |
| Transfer Doc | 0012550291 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TALBOT MD |
| Property Address | 5840 S MAIN ST, TILGHMAN, MD 21671 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0028430481 |
|---|---|
| Date | May 6, 2021 |
| Book Page | 2843/481 |
| Name | CNB |
|---|---|
| Type | Bank |
| Address | 21683 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 5840 S Main St was $1,629, up 18.2% 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 | $1,629.00 (+18.21%) | $176,767 (+16.37%) | $226,500 (+49.11%) Land $90,000 Building $136,500 |
| 2025 | $1,378.00 | $151,900 Land $58,800 Building $93,100 | $151,900 Land $58,800 Building $93,100 |
| 2023 | $1,153.00 | $134,900 | $151,900 Land $58,800 Building $93,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5840 S Main St in Zone X, an area of minimal flood risk, though there have been 88 flood claims nearby since 1979.
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 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 5840 S Main St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 89% of Maryland |
|---|---|
| Wildfire Likelihood | 0.03% 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 64 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 |
May also be available: AT&T, Easton Velocity.
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