107 Oak Leaf Dr, Chestertown, MD 21620 Property Records

Kent County property record for 107 Oak Leaf Dr, Chestertown, MD 21620

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,947 sqft · built 2004
Lot Size	0.086 acres (3,740 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Apr 2026)
Tax Bill	$3,551 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Oct 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`04-027442`

Property Details

APN / Parcel Number

Primary APN	`04-027442`
Alternative APN	`027442`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,947 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,740 sqft (0.086 acres)
Garage Type	Built-in
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	96 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	027442
Street Address	107 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 4 - 3,739 SQ FT 107 OAK LEAF DR CHESTERTOWN
Legal Subdivision	OAKSTREET, LLC
Legal Lot Number	4
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	1
Census Block	1015
Census Tract	950300

Owner

107 Oak Leaf Dr, a townhouse, is owned and occupied by an individual who bought it in April 2026.

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

Owner of Record	Individual Name on File
Mailing Address	107 OAK LEAF DR, CHESTERTOWN, MD 21620-1180
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Apr 9, 2026	Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORPORATION
Oct 27, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2026 · Amount on File
Deed Sale	Apr 9, 2026 · Amount on File
Prior Sale	Oct 27, 2021 · Amount on File
Deed Book / Page	1492 / 1
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Apr 9, 2026
Property Address	107 OAK LEAF DR, CHESTERTOWN, MD 21620-1180
Document Number	1492000001
Book / Page	1492 / 1
Instrument Date	Mar 31, 2026
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$297,950.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	107 OAK LEAF DR, CHESTERTOWN, MD 21620-1180

Mortgage

Document Number	1492000009,
Date	Apr 9, 2026
Book Page	1492/9

Lender

Name	FIRST HOME MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Oct 27, 2021
Property Address	107 OAK LEAF DR, CHESTERTOWN, MD 21620-1180
Document Number	0012010212
Book / Page	1201 / 212
Instrument Date	Oct 20, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 OAK LEAF DR, CHESTERTOWN, MD 21620-1180

Tax Assessment & Valuation

The 2026 property tax bill for 107 Oak Leaf Dr was $3,551, up 0.9% 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	$3,551.00 (+0.85%)	$226,600 (+0.85%)	$230,400 (+2.54%) Land $60,000 Building $170,400
2025	$3,521.00	$224,700 Land $60,000 Building $164,700	$224,700 Land $60,000 Building $164,700
2023	$2,824.00	$195,833	$224,700 Land $60,000 Building $164,700

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

Flood

FEMA maps place 107 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 107 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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