109 Kehm Rd, Queenstown, MD 21658 Property Records

Queen Anne's County property record for 109 Kehm Rd, Queenstown, MD 21658

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,863 sqft · built 1994
Lot Size	6.86 acres (298,822 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Apr 2018)
Tax Bill	$4,390 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-023491`

Property Details

APN / Parcel Number

Primary APN	`05-023491`
Alternative APNs	`5023491` `023491`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,863 sqft Total Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	298,822 sqft (6.86 acres)
Lot Dimensions	569 ft deep x 507 ft wide
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Deck Area	690 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	023491
Street Address	109 KEHM RD
City	QUEENSTOWN
State	MD
Zip	21658-1146
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC-5
Legal Description	LOT 5 QUEEN ANNES ESTATES
Legal Subdivision	QUEEN ANNES ESTATES
Legal Lot Number	5
Jurisdiction	QUEEN ANNE'S MD
Township / Civil Division	5, QUEENSTOWN
Census Block Group	3
Census Block	3016
Census Tract	810600

Owner

Source: Queen Anne's County records, as of September 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	109 KEHM RD, QUEENSTOWN, MD 21658-1146
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CREDIT UNION
May 21, 2020	Deed of Trust, Mortgage · FHA Mortgage ACADEMY MTG
Apr 23, 2018	Special Warranty Deed, Transfer · Conventional Mortgage HARVARD HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2018 · Amount on Record
Deed Sale	Apr 23, 2018 · Amount on Record
Prior Sale	Mar 6, 2017 · Amount on Record
Deed Book / Page	2887 / 1
Prior Transfer Date	Feb 8, 2017
Prior Transfer Doc	0026510266
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Jun 26, 2026
Property Address	109 KEHM RD, QUEENSTOWN, MD 21658-1146
Document Number	4805000024
Book / Page	4805 / 24
Instrument Date	Jun 11, 2026
Transaction Type	Mortgage
Record Updated	Jul 10, 2026
Title Company	STEWART TITLE COMPANY (BA), STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 KEHM RD, QUEENSTOWN, MD 21658-1146

Mortgage

Document Number	4805000024,
Date	Jun 26, 2026
Book Page	4805/24

Lender

Name	QUORUM FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	11.7%
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	109 KEHM RD, QUEENSTOWN, MD 21658-1146
Document Number	0033530210
Instrument Date	May 21, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	109 KEHM RD QUEENSTOWN MD 216581146, QUEENSTOWN, MD 21658-1146

Mortgage

Document Number	0033530210
Date	Jun 8, 2020
Book Page	003353/000210

Lender

Name	ACADEMY MTG
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 7, 2050

April 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Apr 23, 2018
Property Address	109 KEHM RD, QUEENSTOWN, MD 21658-1146
Document Number	0028870001
Book / Page	2887 / 001
Map Reference	MB CWC1 FO36
Instrument Date	Apr 18, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CROWN TITLE CORP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,750.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	303 CROSSTREE LNPEA, 303, ATLANTA, GA 30328

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 KEHM RD, QUEENSTOWN, MD 21658-1146

Mortgage

Document Number	0000028877
Date	Apr 23, 2018
Instrument	2887/7

Lender

Name	HARVARD HOME MORTGAGE INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Apr 18, 2020

Tax Assessment & Valuation

Source: Queen Anne's County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Queen Anne's County
Unified School District	Queen Annes County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$511,200 (+7.94%)	$548,800 (-) Land $256,800 Building $292,000
2025	$4,390.00 (+16.94%) Homeowner's exemption	$473,600 (+18.82%)	$548,800 (+25.87%) Land $256,800 Building $292,000
2023	$3,754.00	$398,600	$436,000 Land $199,800 Building $236,200

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 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 Record median of 94 policies
Nearby Flood Policies	94 in force
Nearby Flood Claims	24 (2000–2024)
Claims Outside the SFHA	8 of 24
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Hurricane Isabel, Sep 2003 · 21 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 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: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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