110 E Cross St, Galena, MD 21635 Property Records

Kent County property record for 110 E Cross St, Galena, MD 21635

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,575 sqft · built 1952
Lot Size	0.302 acres (13,155 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Apr 2022)
Tax Bill	$2,785 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-010174`

Property Details

APN / Parcel Number

Primary APN	`01-010174`
Alternative APN	`010174`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,575 sqft Total Area
Basement Area	1,000 sqft
Finished Basement	1,000 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,155 sqft (0.302 acres)
Lot Dimensions	173 ft deep x 81 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	133 sqft
Patio Area	190 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	010174
Street Address	110 E CROSS ST
City	GALENA
State	MD
Zip	21635-1201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 0.302 AC 110 EAST CROSS STREET GALENA
Jurisdiction	KENT MD
Township / Civil Division	1, MASSEY
Census Block Group	1
Census Block	1027
Census Tract	950100

Owner

Source: Kent County records · APN 01-010174

Assessment roll updated August 5, 2025 · Last verified August 2026

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	110 E CROSS ST, GALENA, MD 21635-1201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 21, 2022 · Amount on Record
Deed Sale	Apr 21, 2022 · Amount on Record
Prior Sale	Apr 02, 2007 · Amount on Record
Deed Book / Page	1246 / 74
Record Updated	Sep 20, 2026

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Apr 21, 2022
Property Address	110 E CROSS ST, GALENA, MD 21635-1201
Document Number	0012460074
Book / Page	1246 / 74
Map Reference	LB 516 FO 153
Instrument Date	Apr 11, 2022
Transaction Type	Transfer
Record Updated	May 04, 2022
Title Company	REAL ESTATE TITLE AND ESCROW, REAL ESTATE TITLE & ESCROW

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	110 E CROSS ST, GALENA, MD 21635-1201

Mortgage

Document Number	0001246082
Date	Apr 21, 2022
Instrument	1246-082

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

Tax Assessment & Valuation

Source: Kent County records · Assessment roll updated August 5, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$240,200 (+30.4%) Land $47,000 Building $193,200	$240,200 (+30.4%) Land $47,000 Building $193,200
2025	$2,785.00 (+12.75%) Homeowner's exemption
2023	$2,470.00 Homeowner's exemption	$184,200 Land $47,000 Building $137,200	$184,200 Land $47,000 Building $137,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kent County (24029C), as of October 15, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240299501001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	6 (1999–2024)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Hurricane Isabel, Sep 2003 · 2 claims

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 90% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
RiverNet Fixed Wireless	1,200 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: ALTIUS Communications, Cogeco Cable Holdings II, IQ Fiber Intermediate Holdings, Talkie Communications.

Based on FCC filings for 73 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MD0140004, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOWN OF GALENA serves 560 people
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	2 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.