Talbot County property record for 611 Radcliff Ave, Saint Michaels, MD 21663
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,906 sqft · built 1981 |
| Lot Size | 0.478 acres (20,835 sqft) |
| Owner | Individual Name on File |
| Last Sale | $350,000 (Apr 2009) |
| Tax Bill | $3,252 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage Jul 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-071606 |
| Primary APN | 02-071606 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,906 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 20,835 sqft (0.478 acres) |
| Garage Type | Built-in |
| Garage Area | 353 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 354 sqft |
| Deck Area | 312 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 071606 |
|---|---|
| Street Address | 611 RADCLIFF AVE |
| City | SAINT MICHAELS |
| State | MD |
| Zip | 21663-2921 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 - 20,835 SF E/S RADCLIFFE AVE BENTLEY MANOR |
| Legal Subdivision | BENTLEY MANOR |
| Legal Lot Number | 1 |
| Jurisdiction | TALBOT MD |
| Township / Civil Division | 2, ST. MICHAELS |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 960700 |
611 Radcliff Ave is owned and occupied by an individual who acquired it in January 2021.
Source: Talbot County records, as of September 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 611 RADCLIFF AVE, SAINT MICHAELS, MD 21663-2921 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Feb 5, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage NAVY FCU |
| Jul 25, 2017 | Deed of Trust, Mortgage · Conventional with PMI FARM CREDIT SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 14, 2009 · Amount on File |
| Deed Sale | Apr 14, 2009 · Amount on File |
| Prior Sale | Mar 26, 1981 · Amount on File |
| Deed Document Number | 200990247 |
| Deed Book / Page | 1683 / 403 |
| Last Transfer Date | Jan 26, 2021 |
| Transfer Doc | 0028040001 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | TALBOT MD |
| Recording Date | Feb 5, 2021 |
| Property Address | 611 RADCLIFF AVE, ST MICHAELS, MD 21663-2921 |
| Document Number | 0028040001 |
| Book / Page | 2804 / 1 |
| Map Reference | LB 49 FO 17 |
| Instrument Date | Jan 26, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | NOT AVAILABLE, VENTURE TITLE COMAPNY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 611 RADCLIFF AVE, SAINT MICHAELS, MD 21663-2921 |
| Document Number | 0000028045 |
|---|---|
| Date | Feb 5, 2021 |
| Instrument | 2804/5 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2024 |
| Change Frequency | 5 Years |
| Min Rate At Change | 2% |
| Max Rate At Change | 7.12% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 7.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TALBOT MD |
| Property Address | 611 RADCLIFF AVE, ST MICHAELS, MD 21663-2921 |
| Document Number | 0024650277 |
| Book / Page | 002465 / 000277 |
| Instrument Date | Jul 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2017 |
| Title Company | EASTERN TITLE AND CLOSING SERVICES, EASTERN TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0024650277 |
|---|---|
| Date | Jul 31, 2017 |
| Book Page | 002465/000277 |
| Name | FARM CREDIT SVCS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 611 Radcliff Ave was $3,252 with a homeowner's exemption, up 3% 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 | $3,252.00 (+2.98%) Homeowner's exemption | $438,400 (+10.12%) | $519,000 (+30.37%) Land $221,900 Building $297,100 |
| 2025 | $3,158.00 Homeowner's exemption | $398,100 Land $153,600 Building $244,500 | $398,100 Land $153,600 Building $244,500 |
| 2023 | $2,945.00 Homeowner's exemption | $365,767 | $398,100 Land $153,600 Building $244,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 611 Radcliff Ave 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 132 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 140 units insured incl. 8 condo units |
| Nearby Flood Claims | 42 (1978–2024) |
| Claims Outside the SFHA | 13 of 42 |
| 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 611 Radcliff Ave is low, with less than 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 99.1% of the US · lower than 98.5% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF TRAPPE serves 1,200 people · EPA ID MD0200007 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 125 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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