Queen Anne's County property record for 109 Central Dr, Chestertown, MD 21620
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,132 sqft · built 1935 |
| Lot Size | 1 acres (43,681 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $75,000 (Nov 2020) |
| Tax Bill | $3,486 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-008548 |
| Primary APN | 02-008548 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,132 sqft Total Area |
| Attic | Attic |
| Attic Area | 312 sqft |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 43,681 sqft (1 acres) |
| Lot Dimensions | 163 ft deep x 53 ft wide |
| Porch | Slab |
| Porch Area | 112 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 008548 |
|---|---|
| Street Address | 109 CENTRAL DR |
| City | CHESTERTOWN |
| State | MD |
| Zip | 21620-2837 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NC-20 |
| Legal Description | 1 ACRE N/SIDE ROUND TOP RD N/E CHESTERTOWN |
| Legal Subdivision | CHESTER HARBOR |
| Legal Block | 3 |
| Legal Lot Number | 338 |
| Jurisdiction | QUEEN ANNE'S MD |
| Township / Civil Division | 2, CHURCH HILL |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 810300 |
109 Central Dr is owned and occupied by two individuals who bought it in November 2020.
Source: Queen Anne's County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 CENTRAL DR, CHESTERTOWN, MD 21620-2837 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 6, 2020 · Amount on File |
| Deed Sale | Nov 6, 2020 · Amount on File |
| Prior Sale | Mar 19, 2009 |
| Deed Book / Page | 3504 / 188 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 109 Central Dr was $3,486.
Source: Queen Anne's County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Queen Anne's County |
| Unified School District | Queen Annes County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $380,900 | $415,300 Land $134,600 Building $280,700 | |
| 2025 | $3,486.00 | ||
| 2023 | $2,853.00 | $302,967 | $363,700 Land $78,800 Building $284,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Central Dr in Zone X, an area of minimal flood risk, though there have been 30 flood claims nearby since 1979.
Source: FEMA National Flood Hazard Layer, effective October 25, 2022 · 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 42 policies |
| Nearby Flood Policies | 42 in force |
| Nearby Flood Claims | 30 (1979–2024) |
| Claims Outside the SFHA | 10 of 30 |
| Most Recent Claim | Jan 2024 · river or lake flooding |
| 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.
The area around 109 Central Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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: FCC Broadband Data Collection, based on 277 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 |
May also be available: BridgeMAXX Suncoast Broadband, Verizon.
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