103 Holly Ave, Chestertown, MD 21620 Property Records

Kent County property record for 103 Holly Ave, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,524 sqft · built 1973
Lot Size	0.312 acres (13,600 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (May 2023)
Tax Bill	$4,716 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-022467`

Property Details

APN / Parcel Number

Primary APN	`04-022467`
Alternative APN	`022467`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,524 sqft Total Area
Basement Area	1,236 sqft
Finished Basement	1,236 sqft
Utility Area	160 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,600 sqft (0.312 acres)
Garage Type	Carport
Garage Area	288 sqft
Carport	Carport
Carport Area	288 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	410 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	022467
Street Address	103 HOLLY AVE
City	CHESTERTOWN
State	MD
Zip	21620-1214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 21 PLAT 3A 103 HOLLY AVE COLLEGE HEIGHTS
Legal Subdivision	COLLEGE HEIGHTS
Legal Lot Number	21
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	2
Census Block	2003
Census Tract	950300

Owner

103 Holly Ave is owned and occupied by two individuals who bought it in May 2023.

Source: Kent County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	103 HOLLY AVE, CHESTERTOWN, MD 21620-1214
Occupancy	Owner Occupied
Owner Type	Individual

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
May 17, 2023	Warranty Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2023 · Amount on File
Deed Sale	May 17, 2023 · Amount on File
Prior Sale	Dec 15, 1999 · Amount on File
Deed Book / Page	1309 / 69
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MD
Recording Date	May 17, 2023
Property Address	103 HOLLY AVE, CHESTERTOWN, MD 21620-1214
Document Number	0013090069
Book / Page	1309 / 69
Map Reference	MB WHG 1 FO 178
Instrument Date	Mar 29, 2023
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	BOSTON NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 HOLLY AVE, CHESTERTOWN, MD 21620-1214

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 E CAMPUS AVE, CHESTERTOWN, MD 21620-1604

Mortgage

Document Number	0013090078
Date	May 17, 2023
Instrument	1309-0078

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 1, 2053

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	103 HOLLY AVE, CHESTERTOWN, MD 21620-1214
Document Number	0009190486
Book / Page	000919 / 000486
Instrument Date	Sep 26, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 HOLLY AVE CHESTERTOWN MD 216201214, CHESTERTOWN, MD 21620-1214

Mortgage

Document Number	0009190486
Date	Oct 5, 2017
Book Page	000919/000486

Lender

Name	BRANCH BK&TR
Type	Bank
Address	223 NASH ST W, WILSON, NC 27893-3801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 4, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 103 Holly Ave was $4,716, up 2.3% from the year before.

Source: Kent County assessment roll, as of August 27, 2026

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	$4,716.00 (+2.25%)	$300,967	$314,300 Land $90,900 Building $223,400
2025	$4,612.00
2023	$3,570.00	$250,967	$294,300 Land $90,900 Building $203,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 103 Holly Ave in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1983.

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 File 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	Hurricane Isabel, Sep 2003 · 7 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

The area around 103 Holly Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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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