104 Cedar St, Chestertown, MD 21620 Property Records

Kent County property record for 104 Cedar St, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,792 sqft · built 1968
Lot Size	0.321 acres (13,971 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Jun 2018)
Tax Bill	$5,159 (2026)
Deeds & Mortgages	Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-011155`

Property Details

APN / Parcel Number

Primary APN	`04-011155`
Alternative APN	`011155`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,792 sqft Total Area
Basement Area	820 sqft
Finished Basement	820 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Conventional
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	13,971 sqft (0.321 acres)
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	244 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	011155
Street Address	104 CEDAR ST
City	CHESTERTOWN
State	MD
Zip	21620-1202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 29 BLK C PLAT 1 104 CEDAR ST COLLEGE HEIGHTS
Legal Subdivision	PLAT # 1 COLLEGE HEIGHTS
Legal Block	C
Legal Lot Number	29
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	2
Census Block	2017
Census Tract	950300

Owner

104 Cedar St is owned and occupied by two individuals who bought it in June 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	104 CEDAR ST, CHESTERTOWN, MD 21620-1202
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2018 · Amount on File
Deed Sale	Jun 19, 2018 · Amount on File
Prior Sale	Apr 23, 1990 · Amount on File
Deed Book / Page	950 / 260
Record Updated	Oct 29, 2026

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Jun 19, 2018
Property Address	104 CEDAR ST, CHESTERTOWN, MD 21620-1202
Document Number	0009500260
Book / Page	0950 / 260
Map Reference	LB WHG62 FO522
Instrument Date	Jun 15, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	104 CEDAR ST, CHESTERTOWN, MD 21620-1202

Mortgage

Document Number	0000950266
Date	Jun 19, 2018
Instrument	0950/266

Lender

Name	CHESAPEAKE BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 104 Cedar St was $5,159, up 2.4% 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	$5,159.00 (+2.42%)	$329,233 (+2.44%)	$344,900 (+7.31%) Land $90,900 Building $254,000
2025	$5,037.00	$321,400 Land $90,900 Building $230,500	$321,400 Land $90,900 Building $230,500
2023	$3,849.00	$271,933	$321,400 Land $90,900 Building $230,500

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

Flood

FEMA maps place 104 Cedar St 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 104 Cedar St 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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