Kent County property record for 104 S Cross St, Chestertown, MD 21620
| Property Type | Office Building |
|---|---|
| Details | 2,508 sqft · built 1900 |
| Lot Size | 0.031 acres (1,360 sqft) |
| Owner | Company Name on File |
| Last Sale | $95,000 (Feb 1984) |
| Tax Bill | $3,845 (2026) |
| Deeds & Mortgages | Dec 2022 Line of Credit Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-017021 |
| Primary APN | 04-017021 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,508 sqft Total Area |
| 1st Floor Area | 2,508 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 1,360 sqft (0.031 acres) |
| Lot Dimensions | 68 ft deep x 20 ft wide |
| Heating System | Heat Pump |
|---|---|
| Sewer | Connected |
| Account Number | 017021 |
|---|---|
| Street Address | 104 S CROSS ST |
| City | CHESTERTOWN |
| State | MD |
| Zip | 21620-1514 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Office Building |
| Legal Description | LOT 20X68 104 S CROSS ST CHESTERTOWN |
| Legal Lot Number | 104 |
| Jurisdiction | KENT MD |
| Township / Civil Division | 4, CHESTERTOWN |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 950300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within 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.
104 S Cross St, a commercial property, is owned by a company that bought it in February 1984.
Source: Kent County records, as of August 27, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 104 S CROSS ST, CHESTERTOWN, MD 21620-1514 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 9, 2022 | Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK & TRUST COMPANY |
| Mar 23, 2017 | Deed of Trust, Mortgage · Commercial Mortgage CHESAPEAKE BANK & TRUST COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 15, 1984 · Amount on File |
| Deed Sale | Feb 15, 1984 · Amount on File |
| Prior Sale | Nov 24, 1982 · Amount on File |
| Deed Book / Page | 159 / 89 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT MD |
| Property Address | 104 S CROSS ST, CHESTERTOWN, MD 21620-1514 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0012870244 |
|---|---|
| Date | Dec 9, 2022 |
| Book Page | 1287/244 |
| Name | CHESAPEAKE BANK & TRUST COMPANY |
|---|---|
| Type | Bank |
| Address | CHESTERTOWN, MD 21620 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT MD |
| Property Address | 104 S CROSS ST, CHESTERTOWN, MD 21620-1514 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0008980388 |
|---|---|
| Date | Mar 23, 2017 |
| Book Page | 0898/388 |
| Instrument | 0898-388 |
| Name | CHESAPEAKE BANK & TRUST COMPANY |
|---|---|
| Type | Bank |
| Address | CHESTERTOWN, MD 21620 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 104 S Cross St was $3,845.
Source: Kent County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Kent County |
| Municipality | Chestertown Town |
| Unified School District | Kent County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,845.00 | $245,400 Land $190,400 Building $55,000 | $245,400 Land $190,400 Building $55,000 |
| 2025 | $3,845.00 | ||
| 2023 | $3,821.00 | $245,400 Land $190,400 Building $55,000 | $245,400 Land $190,400 Building $55,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 104 S Cross 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 40 individual policies |
| Nearby Flood Policies | 52 units insured incl. 12 condo units |
| Nearby Flood Claims | 31 (1979–2024) |
| Claims Outside the SFHA | 1 of 31 |
| 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.
Wildfire risk around 104 S Cross 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 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.
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 |
| 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 426 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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