109 Pine St, Chestertown, MD 21620 Property Records

Kent County property record for 109 Pine St, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,200 sqft · built 1953
Lot Size	0.224 acres (9,750 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Apr 2017)
Tax Bill	$2,727 (2026)
Deeds & Mortgages	Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-012623`

Property Details

APN / Parcel Number

Primary APN	`04-012623`
Alternative APN	`012623`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,200 sqft Total Area
Attic	Attic
Attic Area	250 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,750 sqft (0.224 acres)
Porch	Slab
Porch Area	56 sqft
Deck Area	255 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	012623
Street Address	109 PINE ST
City	CHESTERTOWN
State	MD
Zip	21620-1208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	L11 & 15'-12 BLK-B 109 PINE ST COLLEGE HEIGHTS
Legal Subdivision	PLAT NO 1 OF COLLEGE HEIGHTS
Legal Block	B
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	2
Census Block	2018
Census Tract	950300

Owner

109 Pine St is owned and occupied by an individual who bought it in April 2017.

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

Owner of Record	Individual Name on File
Mailing Address	109 PINE ST, CHESTERTOWN, MD 21620-1208
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	Apr 25, 2017 · Amount on File
Deed Sale	Apr 25, 2017 · Amount on File
Prior Sale	Jun 27, 2008 · Amount on File
Deed Document Number	2017902-183
Deed Book / Page	902 / 183
Transfer Doc	0000000734
Record Updated	Oct 29, 2026

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Apr 25, 2017
Property Address	109 PINE ST, CHESTERTOWN, MD 21620-1208
Document Number	0009020183
Book / Page	0902 / 183
Map Reference	LB WHG27 FO20
Instrument Date	Mar 4, 2017
Instrument	0902-183
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	HOMELAND TITLE & ESCROW LTD

Transaction

Amount	Amount on Record
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
Address	109 PINE ST, CHESTERTOWN, MD 21620-1208

Mortgage

Document Number	902188
Date	Apr 25, 2017
Instrument	0902-188

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Apr 1, 2042

Tax Assessment & Valuation

The 2026 property tax bill for 109 Pine St was $2,727, up 5.7% 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	$2,727.00 (+5.74%)	$174,067 (+5.75%)	$193,000 (+17.25%) Land $87,700 Building $105,300
2025	$2,579.00	$164,600 Land $87,700 Building $76,900	$164,600 Land $87,700 Building $76,900
2023	$2,144.00	$146,667	$164,600 Land $87,700 Building $76,900

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

Flood

FEMA maps place 109 Pine St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1983.

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 File median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	8 (1983–2003)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Sep 2003 · Hurricane Isabel
Claims by Event	Hurricane Isabel, Sep 2003 · 7 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 Pine 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 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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