Kent County property record for 103 Cedar St, Chestertown, MD 21620
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,720 sqft · built 1964 |
| Lot Size | 0.321 acres (14,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $212,500 (Apr 2020) |
| Tax Bill | $3,427 (2026) |
| Deeds & Mortgages | Apr 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-012496 |
| Primary APN | 04-012496 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,720 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 14,000 sqft (0.321 acres) |
| Lot Dimensions | 140 ft deep x 100 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 012496 |
|---|---|
| Street Address | 103 CEDAR ST |
| City | CHESTERTOWN |
| State | MD |
| Zip | 21620-1201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | L 2 PREL PL 103 CEDAR ST COLLEGE HEIGHTS |
| Legal Subdivision | FOURTH SECTION OF COLLEGE HEIGHTS |
| Jurisdiction | KENT MD |
| Township / Civil Division | 4, CHESTERTOWN |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 950300 |
Source: Kent County records, as of August 27, 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 | 103 CEDAR ST, CHESTERTOWN, MD 21620-1201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 10, 2020 · Amount on Record |
| Deed Sale | Apr 10, 2020 · Amount on Record |
| Prior Sale | May 27, 2015 · Amount on Record |
| Deed Book / Page | 1052 / 177 |
| Transfer Doc | 0000000483 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENT MD |
| Recording Date | Apr 10, 2020 |
| Property Address | 103 CEDAR ST, CHESTERTOWN, MD 21620-1201 |
| Document Number | 0010520177 |
| Book / Page | 1052 / 177 |
| Map Reference | MB WHG 2 FO 66 |
| Instrument Date | Apr 9, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 103 CEDAR ST, CHESTERTOWN, MD 21620-1201 |
| Document Number | 0001052186 |
|---|---|
| Date | Apr 10, 2020 |
| Instrument | 1052/186 |
| Name | BAY CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
Source: Kent County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Kent County |
| Municipality | Chestertown Town |
| Unified School District | Kent County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,427.00 (+6.83%) | $218,700 (+19.23%) | $246,700 (+20.52%) Land $91,000 Building $155,700 |
| 2025 | $3,208.00 (+19.26%) | ||
| 2023 | $2,690.00 | $183,433 | $204,700 Land $91,000 Building $113,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 19 policies |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 8 (1983–2003) |
| Claims Outside the SFHA | 1 of 8 |
| Most Recent Claim | Sep 2003 · Hurricane Isabel |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 CHESTERTOWN serves 5,400 people · EPA ID MD0140002 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2023 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 1 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 238 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Talkie Communications Fiber | 10,000 / 10,000 |
| Breezeline Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: BridgeMAXX Suncoast Broadband, IQ Fiber.
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