6944 Pea Neck Rd, Saint Michaels, MD 21663 Property Records

Talbot County property record for 6944 Pea Neck Rd, Saint Michaels, MD 21663

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,102 sqft · built 1954
Lot Size	14.4 acres (628,571 sqft)
Owner	2 Individuals on Record
Last Sale	$935,000 (Mar 2021)
Tax Bill	$26,874 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Sep 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-070278`

Property Details

APN / Parcel Number

Primary APN	`02-070278`
Alternative APNs	`2070278` `070278`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,102 sqft Total Area

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	628,571 sqft (14.4 acres)
View / Lot	Waterfront
Patio Area	286 sqft

Utilities, Heating & Cooling

Heating System	Space Heater
Sewer	Connected

Location & Zoning

Account Number	070278
Street Address	6944 PEA NECK RD
City	SAINT MICHAELS
State	MD
Zip	21663-2749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IMPS 11.845 AC E/S PEA NECK RD ST. MICHAELS
Legal Subdivision	WHISKY HILL
Jurisdiction	TALBOT MD
Township / Civil Division	2, ST. MICHAELS
Census Block Group	1
Census Block	1030
Census Tract	960600

Owner

Source: Talbot County assessment roll, as of August 12, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	29350 MATTHEWSTOWN RD, EASTON, MD 21601-7112
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Intrafamily Transfer, Transfer · Line of Credit LAFAYETTE FCU
Sep 3, 2021	Deed, Transfer
Mar 17, 2021	Deed, Transfer · Commercial Mortgage BAY VANGUARD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2021 · Amount on Record
Deed Sale	Mar 17, 2021 · Amount on Record
Prior Sale	Dec 27, 2007
Deed Book / Page	2820 / 235
Transfer Doc	0000000825
Record Updated	Sep 20, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	TALBOT MD
Recording Date	Nov 10, 2025
Property Address	6944 PEA NECK RD, ST MICHAELS, MD 21663-2749
Document Number	0032230040
Book / Page	3223 / 40
Instrument Date	Nov 5, 2025
Transaction Type	Transfer
Record Updated	Dec 30, 2025
Title Company	NORTHERN VIRGINIA LAND TITLE, NORTHERN VIRGINIA T&E

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	29350 MATTHEWSTOWN RD, EASTON, MD 21601-7112

Mortgage

Document Number	0000322881
Date	Nov 10, 2025
Instrument	3228/81

Lender

Name	LAFAYETTE FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Sep 3, 2021
Property Address	6944 PEA NECK RD, ST MICHAELS, MD 21663-2749
Document Number	0028900230
Book / Page	2890 / 230
Instrument Date	Sep 2, 2021
Transaction Type	Transfer
Record Updated	Sep 15, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6944 PEA NECK RD, SAINT MICHAELS, MD 21663-2749

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Mar 17, 2021
Property Address	6944 PEA NECK RD, ST MICHAELS, MD 21663-2749
Document Number	0028200235
Book / Page	2820 / 235
Instrument Date	Mar 15, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 S HARRISON ST, EASTON, MD 21601-3020

Mortgage

Document Number	0002820241
Date	Mar 17, 2021
Instrument	2820/241

Lender

Name	BAY VANGUARD BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Talbot County assessment roll, as of August 12, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Talbot County
Unified School District	Talbot County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$3,153,367 (+6.68%)	$3,548,500 (+20.05%) Land $1,338,400 Building $2,210,100
2025	$26,874.00 (+187.85%) Homeowner's exemption	$2,955,800 (+170.79%) Land $1,069,600 Building $1,886,200	$2,955,800 (+165.38%) Land $1,069,600 Building $1,886,200
2023	$9,336.00	$1,091,533	$1,113,800 Land $1,069,600 Building $44,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Hurricane Sandy, Oct 2012 · 2 claims Hurricane Isabel, Sep 2003 · 62 claims

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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Fiber	1,000 / 1,000
Easton Velocity Fiber	1,000 / 125

Cell Coverage

4G LTE (outdoors only), no 5G reported

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