9241 Deepwater Point Rd, Saint Michaels, MD 21663 Property Records

Talbot County property record for 9241 Deepwater Point Rd, Saint Michaels, MD 21663

Property Summary

Property Type	Rural Home
Details	2 ba · 2,490 sqft · built 1974
Lot Size	13.9 acres (606,050 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,238,500 (May 2022)
Tax Bill	$16,102 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-070022`

Property Details

APN / Parcel Number

Primary APN	`02-070022`
Alternative APNs	`2070022` `070022`

Interior

Full Baths	1 Bath
Units	3 Units
Stories	1 Story
Building Area	748 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	606,050 sqft (13.9 acres)
View / Lot	Waterfront

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	380 sqft
Deck Area	416 sqft
Shed	1 Shed
Boat Access	Boat Access
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	070022
Street Address	9241 DEEPWATER POINT RD
City	SAINT MICHAELS
State	MD
Zip	21663-2305
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOT 3B - 13.913 AC LONG HAUL RD ST MICHAELS
Legal Subdivision	MARTIN KITTY C
Legal Lot Number	3B
Jurisdiction	TALBOT MD
Township / Civil Division	2, ST. MICHAELS
Census Block Group	3
Census Block	3019
Census Tract	960700

Owner

Source: Talbot County records, as of September 29, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	9241 DEEPWATER POINT RD, SAINT MICHAELS, MD 21663-2305
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2022	Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Jul 28, 2021	Deed of Trust, Mortgage · ARM TRUIST BANK
Nov 5, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2022 · Amount on Record
Deed Sale	May 17, 2022 · Amount on Record
Prior Sale	Jul 1, 2009 · Amount on Record
Deed Book / Page	2976 / 318
Record Updated	Oct 29, 2026

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	May 17, 2022
Property Address	9241 DEEPWATER POINT RD, ST MICHAELS, MD 21663-2305
Document Number	0029760318
Book / Page	2976 / 318
Map Reference	LB 81 FO 224
Instrument Date	May 16, 2022
Transaction Type	Transfer
Record Updated	May 30, 2022
Title Company	EASTERN MT TITLE COMPANY, EASTERN SHORE TITLE COMPANY

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
Relationship	Tenants by the Entirety
Address	9241 DEEPWATER POINT RD, SAINT MICHAELS, MD 21663-2305

Mortgage

Document Number	0002976325
Date	May 17, 2022
Instrument	2976-325

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.62%
Index	Other
Max Rate	8.62%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	9241 DEEPWATER POINT RD, ST MICHAELS, MD 21663-2305
Transaction Type	Mortgage
Record Updated	Aug 18, 2021
Title Company	CREEKSIDE TITLE, CREEKSIDE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028760130
Date	Jul 28, 2021
Book Page	2876/130

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2031
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	5%
Index	1-Year LIBOR
Max Rate	8%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	9241 DEEPWATER POINT RD, ST MICHAELS, MD 21663-2305
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027680059
Date	Nov 5, 2020
Book Page	2768/59

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Talbot County assessment roll, as of September 29, 2026

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	$16,102.00 (+2.1%) Homeowner's exemption	$1,791,233 (+14.54%)	$1,896,700 (+9.1%) Land $1,205,900 Building $690,800
2025	$15,771.00 (+17.9%) Homeowner's exemption
2023	$13,377.00	$1,563,833	$1,738,500 Land $1,105,900 Building $632,600

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 158 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	158 in force
Nearby Flood Claims	23 (1979–2024)
Claims Outside the SFHA	6 of 23
Most Recent Claim	Apr 2024 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 16 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 63% of the US · above 75% of Maryland
Wildfire Likelihood	0.04% 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: Easton Velocity.

Cell Coverage

5G and 4G LTE (outdoors only)

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