104 Oak Leaf Dr, Chestertown, MD 21620 Property Records

Kent County property record for 104 Oak Leaf Dr, Chestertown, MD 21620

Property Summary

Property Type	Townhouse
Details	3.5 ba · 1,840 sqft · built 2003
Lot Size	0.05 acres (2,160 sqft)
Owner	Individual Name on File
Last Sale	$283,000 (Feb 2025)
Tax Bill	$3,439 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jan 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-027752`

Property Details

APN / Parcel Number

Primary APN	`04-027752`
Alternative APN	`027752`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,840 sqft Total Area
Utility Area	32 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,160 sqft (0.05 acres)
Garage Type	Built-in
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	32 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	027752
Street Address	104 OAK LEAF DR
City	CHESTERTOWN
State	MD
Zip	21620-1180
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R3/R4
Legal Description	LOT 32 - 2,160 SQ FT 104 OAK LEAF DR CHESTERTOWN
Legal Subdivision	LANDS OF OAK STREET
Legal Lot Number	32
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	1
Census Block	1011
Census Tract	950300

Owner

104 Oak Leaf Dr, a townhouse, is owned and occupied by an individual who bought it in February 2025.

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

Owner of Record	Individual Name on File
Mailing Address	104 OAK LEAF DR, CHESTERTOWN, MD 21620-1180
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
Jul 5, 2023	Deed, Transfer · FHA Mortgage TIDEWATER MORTGAGE SERVICES INC
Jan 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Apr 6, 2022	Gift Deed, Transfer
Oct 10, 2018	Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2025 · Amount on File
Deed Sale	Feb 27, 2025 · Amount on File
Prior Sale	Jul 5, 2023 · Amount on File
Deed Book / Page	1417 / 103
Prior Transfer Date	Dec 13, 2021
Prior Transfer Doc	1242000275
Record Updated	Oct 29, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Jul 5, 2023
Property Address	104 OAK LEAF DR, CHESTERTOWN, MD 21620-1180
Document Number	0013180169
Book / Page	1318 / 169
Map Reference	PL MLM 2 PG 440
Instrument Date	Jun 16, 2023
Transaction Type	Transfer
Record Updated	Jul 27, 2023
Title Company	WOODEN TITLE AND ESCROW, WOLFE TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$681.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	104 OAK LEAF DR, CHESTERTOWN, MD 21620-1180

Mortgage

Document Number	0013180177
Date	Jul 5, 2023
Instrument	1318-0177

Lender

Name	TIDEWATER MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	104 OAK LEAF DR, CHESTERTOWN, MD 21620-1180
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010390028
Date	Jan 8, 2020
Book Page	1039/028

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

April 2022: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	KENT MD
Recording Date	Apr 6, 2022
Property Address	104 OAK LEAF DR, CHESTERTOWN, MD 21620-1180
Document Number	0012420275
Book / Page	1242 / 275
Map Reference	MB MLM 2 PG 440
Instrument Date	Dec 13, 2021
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4834 ROYAL DORNOCH CIR, BRADENTON, FL 34211-8443

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Oct 10, 2018
Property Address	104 OAK LEAF DR, CHESTERTOWN, MD 21620-1180
Document Number	0009690239
Book / Page	0969 / 239
Map Reference	MB MLM2 PG440
Instrument Date	Oct 9, 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
Address	104 OAK LEAF DR, CHESTERTOWN, MD 21620-1180

Mortgage

Document Number	0000969248
Date	Oct 10, 2018
Instrument	0969/248

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 104 Oak Leaf Dr was $3,439, up 13.4% 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	$3,439.00 (+13.42%)	$219,467	$271,400 Land $60,000 Building $211,400
2025	$3,032.00
2023	$2,592.00	$175,500 (+5.41%)	$193,500 (+16.22%) Land $60,000 Building $133,500
2022	$2,592.00	$166,500 Land $60,000 Building $106,500	$166,500 Land $60,000 Building $106,500

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

Flood

FEMA maps place 104 Oak Leaf Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.

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
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (2003–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 2 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 104 Oak Leaf Dr 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 Risk	Low lower than 98% of the US · lower than 96% 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.

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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