109 E Chestnut St, Funkstown, MD 21734 Property Records

Washington County property record for 109 E Chestnut St, Funkstown, MD 21734

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,134 sqft · built 1952
Lot Size	0.091 acres (3,957 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Sep 2023)
Tax Bill	$1,801 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-007607`

Property Details

APN / Parcel Number

Primary APN	`10-007607`
Alternative APN	`007607`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,134 sqft Total Area
Basement Area	91 sqft
Finished Basement	500 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,957 sqft (0.091 acres)
Garage Type	Detached
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	151 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	007607
Street Address	109 E CHESTNUT ST
City	FUNKSTOWN
State	MD
Zip	21734-1205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Description	0.091 ACRES 109 E CHESTNUT ST
Jurisdiction	WASHINGTON MD
Township / Civil Division	10, FUNKSTOWN
Census Block Group	3
Census Block	3023
Census Tract	11100

Owner

109 E Chestnut St is owned and occupied by an individual who bought it in September 2023.

Source: Washington County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	109 E CHESTNUT ST, FUNKSTOWN, MD 21734-1205
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2023 · Amount on File
Deed Sale	Sep 7, 2023 · Amount on File
Prior Sale	Jun 17, 1992 · Amount on File
Deed Book / Page	7314 / 413
Record Updated	Oct 29, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WASHINGTON MD
Recording Date	Sep 7, 2023
Property Address	109 E CHESTNUT ST, FUNKSTOWN, MD 21734-1205
Document Number	0073140413
Book / Page	7314 / 413
Map Reference	LB 1046 FOLIO 99
Instrument Date	Aug 18, 2023
Transaction Type	Transfer
Record Updated	Sep 20, 2023
Title Company	NOT AVAILABLE, FRIENDS TITLE & ESCROW CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$562.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E CHESTNUT ST, FUNKSTOWN, MD 21734-1205

Mortgage

Document Number	0073140418
Date	Sep 7, 2023
Instrument	7314-0418

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2030
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	8.62%
Index	1-Year CMT
Margin	3
Max Rate	12.6%

Tax Assessment & Valuation

The 2026 property tax bill for 109 E Chestnut St was $1,801, up 5.3% from the year before.

Source: Washington County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Washington County
Municipality	Funkstown Town
Unified School District	Washington County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,801.00 (+5.26%)	$197,700 (+5.27%)	$207,600 (-) Land $42,500 Building $165,100
2025	$1,711.00	$187,800	$207,600 Land $42,500 Building $165,100
2023	$1,216.00 Homeowner's exemption	$158,333	$177,900 Land $42,500 Building $135,400

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

Flood

FEMA maps place 109 E Chestnut St in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective August 14, 2017 · 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	6 in force
Nearby Flood Claims	14 (1979–2019)
Claims Outside the SFHA	7 of 14
Most Recent Claim	Jun 2019
Claims by Event	Severe Storms And Flooding, Jan 1996 · 3 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

The area around 109 E Chestnut St 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF FUNKSTOWN DISTRIBUTION SYSTEM private · serves 1,300 people · EPA ID MD0210008
Water Source	Purchased surface water from CITY OF HAGERSTOWN
Last State Inspection	Sep 2025

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber · Cable	2,300 / 2,300
Xfinity Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20