108 Spring Ave, Chestertown, MD 21620 Property Records

Kent County property record for 108 Spring Ave, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,849 sqft · built 1876
Lot Size	1.1 acres (48,110 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Mar 2019)
Tax Bill	$9,595 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Sep 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-008804`

Property Details

APN / Parcel Number

Primary APN	`04-008804`
Alternative APNs	`4008804` `008804`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,849 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1876
Effective Year Built	Effective 1876
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	48,110 sqft (1.1 acres)
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	384 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	008804
Street Address	108 SPRING AVE
City	CHESTERTOWN
State	MD
Zip	21620-1343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	LOT 48,110 SQ FT 108 SPRING STREET CHESTERTOWN
Legal Subdivision	SPRING STREET CHESTERTOWN
Legal Lot Number	1
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	4
Census Block	4006
Census Tract	950300

Historic Designation

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.

Owner

Source: Kent County assessment roll, as of August 5, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	108 SPRING AVE, CHESTERTOWN, MD 21620-1343
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Sep 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC COAST MORTGAGE
Jun 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Mar 14, 2019	Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP
May 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 14, 2019 · Amount on Record
Deed Sale	Mar 14, 2019 · Amount on Record
Prior Sale	May 24, 2007 · Amount on Record
Deed Book / Page	989 / 120
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	108 SPRING AVE, CHESTERTOWN, MD 21620-1343
Transaction Type	Mortgage
Record Updated	Feb 1, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 SPRING AVE, CHESTERTOWN, MD 21620-1343

Mortgage

Document Number	0013490259
Date	Jan 22, 2024
Book Page	1349/259

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Feb 1, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	108 SPRING AVE, CHESTERTOWN, MD 21620-1343
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011850099
Date	Sep 8, 2021
Book Page	1185/99

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2036

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	108 SPRING AVE, CHESTERTOWN, MD 21620-1343
Document Number	0010690064
Instrument Date	Jun 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	108 SPRING AVE CHESTERTOWN MD 216201343, CHESTERTOWN, MD 21620-1343

Mortgage

Document Number	0010690064
Date	Jun 25, 2020
Book Page	001069/000064

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2050

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Mar 14, 2019
Property Address	108 SPRING AVE, CHESTERTOWN, MD 21620-1343
Document Number	0009890120
Book / Page	989 / 120
Instrument Date	Feb 25, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	6941 DEER RUN DR, ALEXANDRIA, VA 22306-1107

Mortgage

Document Number	0000989127
Date	Mar 14, 2019
Instrument	989/127

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	108 SPRING AVE, CHESTERTOWN, MD 21620-1343
Document Number	0009050468
Book / Page	000905 / 000468
Instrument Date	May 8, 2017
Transaction Type	Mortgage
Record Updated	Jul 27, 2017
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 SPRING AVE CHESTERTOWN MD 216201343, CHESTERTOWN, MD 21620-1343

Mortgage

Document Number	0009050468
Date	May 24, 2017
Book Page	000905/000468

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Kent County assessment roll, as of August 5, 2025

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		$643,267 (+13.98%)	$705,200 (+15.17%) Land $246,100 Building $459,100
2025	$9,595.00 (+14.02%)
2023	$8,415.00	$564,367	$612,300 Land $246,100 Building $366,200

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

Flood

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 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	Hurricane Sandy, Oct 2012 · 3 claims Hurricane Isabel, Sep 2003 · 18 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 426 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
Cogeco Cable Holdings II Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: ALTIUS Communications, IQ Fiber Intermediate Holdings.

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