103 Iris Rd, Chestertown, MD 21620 Property Records

Queen Anne's County property record for 103 Iris Rd, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,297 sqft · built 1980
Lot Size	0.601 acres (26,196 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,751 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-001861`

Property Details

APN / Parcel Number

Primary APN	`02-001861`
Alternative APNs	`2001861` `001861`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,297 sqft Total Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	26,196 sqft (0.601 acres)
Lot Dimensions	148 ft deep x 177 ft wide
Porch	Slab
Porch Area	104 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	001861
Street Address	103 IRIS RD
City	CHESTERTOWN
State	MD
Zip	21620-2740
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC-20
Legal Description	LOTS 39-40-41 CHESTER HARBOR
Legal Subdivision	CHESTER HARBOR SEC 1
Legal Block	1
Legal Lot Number	39-41
Jurisdiction	QUEEN ANNE'S MD
Township / Civil Division	2, CHURCH HILL
Census Block Group	1
Census Block	1012
Census Tract	810300

Owner

Source: Queen Anne's County records, as of September 21, 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 IRIS RD, CHESTERTOWN, MD 21620-2740
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Nov 17, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2011
Deed Sale	Mar 3, 2011
Prior Sale	Mar 3, 2011
Deed Document Number	20112010/0717
Deed Book / Page	2010 / 717
Transfer Doc	0014840337
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	103 IRIS RD, CHESTERTOWN, MD 21620-2740
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033640188
Date	Jun 18, 2020
Book Page	3364/188

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	103 IRIS RD, CHESTERTOWN, MD 21620-2740
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038940117
Date	Nov 17, 2021
Book Page	3894/117

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: Queen Anne's County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Queen Anne's County
Unified School District	Queen Annes County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$300,867 (+5.31%)	$331,200 (+15.93%) Land $130,200 Building $201,000
2025	$2,751.00 (+23.14%)	$285,700 (+20.43%) Land $77,100 Building $208,600	$285,700 (-) Land $77,100 Building $208,600
2023	$2,234.00	$237,233	$285,700 Land $77,100 Building $208,600

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 25, 2022 · 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 42 policies
Nearby Flood Policies	42 in force
Nearby Flood Claims	30 (1979–2024)
Claims Outside the SFHA	10 of 30
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Sandy, Oct 2012 · 2 claims Hurricane Isabel, Sep 2003 · 20 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 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 277 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

May also be available: BridgeMAXX Suncoast Broadband, Verizon.

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