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Single Family ResidenceResidential
$1,890,954$795 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $850,000 on Aug 18, 2006

409 WATER ST

SAINT MICHAELS, MD 21663
3 / 2
Baths
2,378 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.13 ac
Lot SizeThe size of the land the home sits on, from county records.
1900
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$1.9M
$1.7M low$2.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$850,000 · Aug 18, 2006

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$13,530 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,299,933 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,085,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,729,400

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.71 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.48%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyTALBOT
Lot (acres)The size of the land the home sits on, from county records.0.13
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Baseboard
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Spa/Hot Tub (Only)
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 344 ft²Boat access

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
St. Michaels Elementary SchoolC
Elementary · Grades PK–5 · 0.3 mi
M
St. Michaels Middle/High SchoolC
Middle · Grades 6–12 · 0.3 mi

District: Talbot County Public Schools

Neighborhood · ZIP 21663These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.149
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.35

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.71%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.29%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.2,696
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.134 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$89,069
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$136,111
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.45 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

409 Water St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 97% of homes in St. Michaels
  • Costs more per square foot than 96% of homes in St. Michaels
  • Bigger than 81% of homes in St. Michaels
  • Has a smaller lot than 91% of homes in Saint Michaels 21663
  • Older than 90% of homes in Talbot County

What homes are worth in Saint Michaels 21663

Each bar is how many homes fall in that price range. The marker is this home.

This home
$253K$3.8M

This home is worth more than 84% of homes in Saint Michaels 21663.

How it measures up in Saint Michaels 21663

The dot is this home. The mark in the middle is the typical home in Saint Michaels 21663.

Estimated value$1,890,954
CheaperTypical $799,986Pricier

Pricier than 84% of homes nearby

Price per ft²$795
CheaperTypical $391Pricier

Pricier than 92% of homes nearby

Living area2,378 ft²
SmallerTypical 2,025 ft²Bigger

Bigger than 64% of homes nearby

Lot size0.13 ac
SmallerTypical 0.34 acBigger

Bigger than 9% of homes nearby

Year built1900
OlderTypical 1981Newer

Newer than 12% of homes nearby

How 409 Water St ranks against every home in each area.
MeasureThis homeSt. MichaelsSaint Michaels 21663Talbot County
Estimated valuepricier than$1,890,95497% of homes84% of homes91% of homes
Price per ft²pricier than$79596% of homes92% of homes96% of homes
Living areabigger than2,378 ft²81% of homes64% of homes66% of homes
Lot sizebigger than0.13 ac26% of homes9% of homes9% of homes
Year builtnewer than190031% of homes12% of homes10% of homes

About 409 Water St

How much is 409 Water St, Saint Michaels, MD worth?

The TopHap Estimate for 409 Water St, Saint Michaels, MD is $1,890,954 as of Aug 30, 2026. The likely range is $1,684,325 to $2,097,583. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 409 Water St, Saint Michaels, MD last sell?

409 Water St, Saint Michaels, MD last sold on Aug 18, 2006 for $850,000, according to the county's recorded deed.

How big is 409 Water St, Saint Michaels, MD?

409 Water St, Saint Michaels, MD has 3 bathrooms, 2,378 square feet of living space and a 0.13-acre lot.

When was 409 Water St, Saint Michaels, MD built?

409 Water St, Saint Michaels, MD was built in 1900, making it 126 years old. The building has 2 stories.

What schools serve 409 Water St, Saint Michaels, MD?

409 Water St, Saint Michaels, MD is assigned to St. Michaels Elementary School (elementary), rated C; St. Michaels Middle/High School (middle), rated C. All sit in Talbot County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 409 Water St, Saint Michaels, MD compare to other homes in Saint Michaels 21663?

Among the 1,932 homes in Saint Michaels 21663, it is worth more than 84% of them ($1,890,954 against a typical $799,986), its price per square foot is higher than 92% of them ($795 against a typical $391), it is bigger than 64% of them (2,378 ft² against a typical 2,025 ft²), its lot is bigger than 9% of them (0.13 ac against a typical 0.34 ac) and it is newer than 12% of them (1900 against a typical 1981). Measured against all of Talbot County, it is worth more than 91% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 409 Water St, Saint Michaels, MD?

The 2025 property tax bill for 409 Water St, Saint Michaels, MD was $13,530. The county assessed it at $1,299,933.

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