Kent County property record for 104 E Cross St, Galena, MD 21635
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 960 sqft · built 1960 |
| Lot Size | 0.328 acres (14,268 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $135,000 (Dec 2018) |
| Tax Bill | $1,853 (2026) |
| Deeds & Mortgages | Jun 2019 Mortgage Dec 2018 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-004832 |
| Primary APN | 01-004832 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 960 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 14,268 sqft (0.328 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 004832 |
|---|---|
| Street Address | 104 E CROSS ST |
| City | GALENA |
| State | MD |
| Zip | 21635-1201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 0.33 AC 104 E CROSS ST GALENA |
| Legal Subdivision | J EARLY WOOD |
| Jurisdiction | KENT MD |
| Township / Civil Division | 1, MASSEY |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 950100 |
Source: Kent County records, as of August 27, 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 | 104 E CROSS ST, GALENA, MD 21635-1201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CHESAPEAKE BK |
| Dec 28, 2018 | Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP |
| Jun 26, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Jun 15, 2017 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS |
| Jun 15, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2018 · Amount on Record |
| Deed Sale | Dec 28, 2018 · Amount on Record |
| Prior Sale | Sep 15, 1999 · Amount on Record |
| Deed Book / Page | 981 / 45 |
| Prior Transfer Date | May 25, 2018 |
| Prior Transfer Doc | 0009520168 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT MD |
| Property Address | 104 E CROSS ST, GALENA, MD 21635-1201 |
| Document Number | 0010050033 |
| Instrument Date | Jun 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 9, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 104 E CAMPUS AVE CHESTERTOWN MD 216201602, CHESTERTOWN, MD 21620-1602 |
| Document Number | 0010050033 |
|---|---|
| Date | Jun 21, 2019 |
| Book Page | 001005/000033 |
| Name | CHESAPEAKE BK |
|---|---|
| Type | Bank |
| Address | CHESTERTOWN, MD 21620 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 20, 2034 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENT MD |
| Recording Date | Dec 28, 2018 |
| Property Address | 104 E CROSS ST, GALENA, MD 21635-1201 |
| Document Number | 0009810045 |
| Book / Page | 0981 / 045 |
| Map Reference | MB WHG1 FO 14 |
| Instrument Date | Oct 22, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | LIBERTY TITLE & ESCROW OF MA |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 104 E CROSS ST, GALENA, MD 21635-1201 |
| Document Number | 0000098151 |
|---|---|
| Date | Dec 28, 2018 |
| Instrument | 0981/51 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENT MD |
| Recording Date | Jun 26, 2018 |
| Property Address | 104 E CROSS ST, GALENA, MD 21635-1201 |
| Document Number | 0009520168 |
| Book / Page | 000952 / 000168 |
| Instrument Date | May 25, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1138 THE HIDEOUT #I LAKE ARIEL PA 184369759, I, LAKE ARIEL, PA 18436-9759 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT MD |
| Property Address | 104 E CROSS ST, GALENA, MD 21635-1201 |
| Document Number | 0009090019 |
| Instrument Date | Jun 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2019 |
| Title Company | FNC TITLE SERVICES, FNC TITLE SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 104 E CROSS ST GALENA MD 216351201, GALENA, MD 21635-1201 |
| Document Number | 0009090019 |
|---|---|
| Date | Jun 22, 2017 |
| Book Page | 000909/000019 |
| Name | AMERICAN ADVISORS |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 780 Months |
| Due | Jun 21, 2082 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.51% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT MD |
| Property Address | 104 E CROSS ST, GALENA, MD 21635-1201 |
| Document Number | 0009090038 |
| Instrument Date | Jun 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2017 |
| Title Company | FNC TITLE SERVICES, FNC TITLE SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 104 E CROSS ST GALENA MD 216351201, GALENA, MD 21635-1201 |
| Document Number | 0009090038 |
|---|---|
| Date | Jun 22, 2017 |
| Book Page | 000909/000038 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 780 Months |
| Due | Jun 21, 2082 |
| Rate Type | Adjustable Rate |
|---|
Source: Kent County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Kent County |
| Municipality | Galena Town |
| Unified School District | Kent County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,853.00 (+5.28%) Homeowner's exemption | $153,800 (+20.25%) Land $47,300 Building $106,500 | $153,800 (+20.25%) Land $47,300 Building $106,500 |
| 2025 | $1,760.00 (+15.87%) Homeowner's exemption | ||
| 2023 | $1,519.00 Homeowner's exemption | $127,900 Land $47,300 Building $80,600 | $127,900 Land $47,300 Building $80,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 6 (1999–2024) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Jan 2024 · tidal / storm surge |
| Claims by Event |
|
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF GALENA serves 560 people · EPA ID MD0140004 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 73 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| RiverNet Fixed Wireless | 1,200 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Breezeline, BridgeMAXX Suncoast Broadband, IQ Fiber, Talkie Communications.
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