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103 Prospect St, Chestertown, MD 21620 Property Records

Kent County property record for 103 Prospect St, Chestertown, MD 21620

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,534 sqft · built 1957
Lot Size0.134 acres (5,849 sqft)
OwnerIndividual Name on File
Last Sale$154,000 (Jun 2022)
Tax Bill$2,346 (2026)
Deeds & MortgagesJun 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN04-019962

Property Details

APN / Parcel Number

Primary APN04-019962
Alternative APN
  • 019962

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,534 sqft Total Area

Exterior

Year BuiltBuilt 1957
Effective Year BuiltEffective 1957
Architectural StyleConventional
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area5,849 sqft (0.134 acres)
PorchSlab
Porch Area240 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating FuelElectric
SewerConnected

Location & Zoning

Account Number019962
Street Address103 PROSPECT ST
CityCHESTERTOWN
StateMD
Zip21620-1126
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-5
Legal DescriptionLOT 2-5,849.15 SQ FT 103 W/S PROSPECT ST. CHESTERTOWN
Legal SubdivisionCHESTERTOWN
Legal Lot Number2-5
JurisdictionKENT MD
Township / Civil Division4, CHESTERTOWN
Census Block Group4
Census Block4004
Census Tract950300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Chestertown Historic District (Boundary Increase)
listed 1984 · 456 contributing resources · NRIS 84001808

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

103 Prospect St is owned and occupied by an individual who bought it in June 2022.

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

Owner of RecordIndividual Name on File
Mailing Address103 PROSPECT ST, CHESTERTOWN, MD 21620-1126
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 14, 2022 · Amount on File
Deed SaleJun 14, 2022 · Amount on File
Prior SaleFeb 12, 2004 · Amount on File
Deed Book / Page1257 / 37
Transfer Doc0000000287
Record UpdatedOct 29, 2026

June 2022: Deed, Transfer

Document TypeDeed
JurisdictionKENT MD
Recording DateJun 14, 2022
Property Address103 PROSPECT ST, CHESTERTOWN, MD 21620-1126
Document Number0012570037
Book / Page1257 / 37
Map ReferenceMB WHG 2 FO 179
Instrument DateMay 18, 2022
Transaction TypeTransfer
Record UpdatedJun 29, 2022
Title CompanyKIRCH TITLE SERVICES INC, KIRSH TITLE SERVICES INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address103 PROSPECT ST # 15, 15, CHESTERTOWN, MD 21620-1126

Mortgage

Document Number0001257042
DateJun 14, 2022
Instrument1257-042
Lender
NameAMERICAN NEIGHBORHOOD MTG ACCEPTANC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJun 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 103 Prospect St was $2,346, up 1.8% from the year before.

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

Property Jurisdictions

TypeName
StateMaryland
CountyKent County
MunicipalityChestertown Town
Unified School DistrictKent County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,346.00 (+1.78%)$149,700$154,900 Land $50,900 Building $104,000
2025$2,305.00
2023$1,969.00$133,367$147,100 Land $45,900 Building $101,200

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

Flood

FEMA maps place 103 Prospect St in Zone X, an area of minimal flood risk, though there have been 31 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 40 individual policies
Nearby Flood Policies52 units insured
incl. 12 condo units
Nearby Flood Claims31 (1979–2024)
Claims Outside the SFHA1 of 31
Most Recent ClaimJan 2024 · tidal / storm surge
Claims by Event
  • Hurricane Sandy, Oct 2012 · 3 claims
  • Hurricane Isabel, Sep 2003 · 18 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

Wildfire risk around 103 Prospect St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 97% of the US · lower than 94% of Maryland
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemTOWN OF CHESTERTOWN
serves 5,400 people · EPA ID MD0140002
Water SourceGroundwater
Last State InspectionSep 2023
Lead1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting1
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 426 locations within half a mile, as of December 31, 2025

ProviderMax 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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