938 Marea Ter, Saint Michaels, MD 21663 Property Records

Talbot County property record for 938 Marea Ter, Saint Michaels, MD 21663

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,169 sqft · built 2020
Lot Size	2.31 acres (100,624 sqft)
Owner	Individual Name on File
Last Sale	$2,000,000 (Jun 2026)
Tax Bill	$8,431 (2025)
Deeds & Mortgages	Jun 2026 Sale Mar 2024 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`02-116979`

Property Details

APN / Parcel Number

Primary APN	`02-116979`
Alternative APN	`116979`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,169 sqft Total Area
1st Floor Area	78 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	100,624 sqft (2.31 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	703 sqft
Porch	Slab
Deck Area	372 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	116979
Street Address	938 MAREA TER
City	SAINT MICHAELS
State	MD
Zip	21663-2613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 - 2.314 AC MAREA TERRACE HATTONS GARDEN PH 1
Legal Subdivision	HATTONS GARDEN
Legal Phase	1
Legal Lot Number	1
Jurisdiction	TALBOT MD
Township / Civil Division	2, ST. MICHAELS
Census Block Group	3
Census Block	3038
Census Tract	960700

Owner

938 Marea Ter is owned by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	649 LEXINGTON PL NE, WASHINGTON, DC 20002-5219
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Mar 22, 2024	Deed of Trust, Mortgage · Line of Credit BETTER MORTGAGE CORPORATION
Sep 14, 2020	Deed of Trust, Mortgage · Construction Mortgage WESBANCO BANK INC
Feb 27, 2019	Grant Deed, Transfer FENTON TITLE COMPANY, FENTON TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2026 · Amount on File
Deed Sale	Jun 24, 2026 · Amount on File
Prior Sale	Feb 27, 2019 · Amount on File
Deed Book / Page	3277 / 181
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	TALBOT MD
Recording Date	Jun 24, 2026
Property Address	938 MAREA TER, SAINT MICHAELS, MD 21663-2613
Document Number	3277000181
Book / Page	3277 / 181
Instrument Date	Jun 18, 2026
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Tax	$202,000.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	649 LEXINGTON PL NE, WASHINGTON, DC 20002-5219

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	938 MAREA TER, ST MICHAELS, MD 21663-2613
Transaction Type	Mortgage
Record Updated	Apr 5, 2024
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	938 MAREA TER, SAINT MICHAELS, MD 21663-2613

Mortgage

Document Number	0031040369
Date	Mar 22, 2024
Book Page	3104/369

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TALBOT MD
Property Address	938 MAREA TER, ST MICHAELS, MD 21663-2613
Transaction Type	Mortgage
Record Updated	Aug 10, 2021
Title Company	TITLE EXCELLENCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027450296
Date	Sep 14, 2020
Book Page	2745/296

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	WHEELING, WV 26003

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	TALBOT MD
Recording Date	Feb 27, 2019
Property Address	938 MAREA TER, ST MICHAELS, MD 21663-2613
Document Number	0025960265
Book / Page	002596 / 000265
Instrument Date	Feb 22, 2019
Transaction Type	Transfer
Record Updated	Mar 13, 2019
Title Company	FENTON TITLE COMPANY, FENTON TITLE CO

Transaction

Amount	Amount on Record
Tax	$225.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	433 BURNSIDE ST ANNAPOLIS MD 214032413, ANNAPOLIS, MD 21403-2413

Tax Assessment & Valuation

The 2025 property tax bill for 938 Marea Ter was $8,431.

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

Property Jurisdictions

Type	Name
State	Maryland
County	Talbot County
Municipality	St. Michaels Town
Unified School District	Talbot County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$791,100 (+9.86%)	$933,100 (+29.58%) Land $363,700 Building $569,400
2025	$8,431.00 Homeowner's exemption	$720,100 Land $291,900 Building $428,200	$720,100 Land $291,900 Building $428,200
2023	$7,972.00	$665,233	$720,100 Land $291,900 Building $428,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 938 Marea Ter in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 938 Marea Ter 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 66% of the US · above 70% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 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
AT&T Fixed Wireless	100 / 20

May also be available: Easton Velocity.

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