103 Flying Cloud Dr, Chestertown, MD 21620 Property Records

Kent County property record for 103 Flying Cloud Dr, Chestertown, MD 21620

Property Summary

Property Type	Townhouse
Details	2 ba · 1,724 sqft · built 2023
Lot Size	0.114 acres (4,964 sqft)
Owner	Individual Name on Record
Last Sale	$339,900 (Apr 2026)
Tax Bill	$4,212 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-338294`

Property Details

APN / Parcel Number

Primary APN	`04-338294`
Alternative APN	`338294`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,724 sqft Total Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	4,964 sqft (0.114 acres)
Porch	Slab
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	338294
Street Address	103 FLYING CLOUD DR
City	CHESTERTOWN
State	MD
Zip	21620-1186
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R3/R4
Legal Description	LOT 40 - 4,964 SQ FT 103 FLYING CLOUD DR THE VILLAGE AT CHESTERTO
Legal Subdivision	VILLAGE CHESTERTOWN LAND CONDO
Legal Lot Number	40
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	1
Census Block	1011
Census Tract	950300

Owner

Source: Kent County records, as of August 18, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	103 FLYING CLOUD DR, CHESTERTOWN, MD 21620-1186
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Deed, Transfer · Conventional Mortgage NEXGEN LENDING
Sep 29, 2023	Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2026 · Amount on Record
Deed Sale	Apr 24, 2026 · Amount on Record
Prior Sale	Sep 29, 2023 · Amount on Record
Deed Document Number	2026
Deed Book / Page	1495 / 4
Record Updated	Sep 20, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Apr 24, 2026
Property Address	103 FLYING CLOUD DR, CHESTERTOWN, MD 21620-1186
Document Number	1495000004
Book / Page	1495 / 4
Instrument Date	Apr 21, 2026
Transaction Type	Transfer
Record Updated	May 11, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$343,299.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 FLYING CLOUD DR, CHESTERTOWN, MD 21620-1186

Mortgage

Document Number	1495000012,
Date	Apr 24, 2026
Book Page	1495/12

Lender

Name	NEXGEN LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Sep 29, 2023
Property Address	103 FLYING CLOUD DR, CHESTERTOWN, MD 21620-1186
Document Number	0013330168
Book / Page	1333 / 168
Map Reference	MB MLM 4 FO 580A-580
Instrument Date	Sep 15, 2023
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 30, 2025
Title Company	DHI TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$787.48
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 in Severalty
Address	103 FLYING CLOUD DR, CHESTERTOWN, MD 21620-1186

Mortgage

Document Number	0013330174
Date	Sep 29, 2023
Instrument	1333-0174

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

Source: Kent County assessment roll, as of August 5, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Kent County
Municipality	Chestertown Town
Unified School District	Kent County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$279,833 (+4.1%)	$301,900 (+12.31%) Land $80,400 Building $221,500
2025	$4,212.00 (+713.13%)	$268,800 (-) Land $80,400 Building $188,400	$268,800 (-) Land $80,400 Building $188,400
2023	$518.00	$268,800 Land $80,400 Building $188,400	$268,800 Land $80,400 Building $188,400

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (2003–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 2 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 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	0.01% 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 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

Violations Reported to EPA

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.

Internet Providers

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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