110 Elm St, Chestertown, MD 21620 Property Records

Kent County property record for 110 Elm St, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,267 sqft · built 2018
Lot Size	0.258 acres (11,250 sqft)
Owner	Company Name on File
Last Sale	$330,000 (Oct 2022)
Tax Bill	$4,817 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jun 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-022459`

Property Details

APN / Parcel Number

Primary APN	`04-022459`
Alternative APNs	`4022459` `022459`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,267 sqft Total Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,250 sqft (0.258 acres)
Garage Type	Attached
Garage Area	306 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	288 sqft
Deck Area	150 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	022459
Street Address	110 ELM ST
City	CHESTERTOWN
State	MD
Zip	21620-1204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	L 30 1/2 29 BK-B PL1 110 ELM ST CHESTERTOWN
Legal Subdivision	COLLEGE HEIGHTS
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	2
Census Block	2018
Census Tract	950300

Owner

110 Elm St is owned by a company that bought it in October 2022.

Source: Kent County records, as of August 27, 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	Company Name on File
Mailing Address	18 CHESAPEAKE LNDG, ANNAPOLIS, MD 21403-2603
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2022	Deed, Transfer · Conventional Mortgage TIMOTHY GOUGH
Jun 16, 2021	Deed, Transfer
Oct 20, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2022 · Amount on File
Deed Sale	Oct 13, 2022 · Amount on File
Prior Sale	Jun 16, 2021 · Amount on File
Deed Book / Page	1279 / 77
Prior Transfer Date	Oct 18, 2017
Prior Transfer Doc	0009210100
Record Updated	Oct 29, 2026

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Oct 13, 2022
Property Address	110 ELM ST, CHESTERTOWN, MD 21620-1204
Document Number	0012790077
Book / Page	1279 / 77
Map Reference	LB WGH 27 FO 20
Instrument Date	Oct 6, 2022
Transaction Type	Transfer
Record Updated	Oct 26, 2022
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 CHESAPEAKE LNDG, ANNAPOLIS, MD 21403-2603

Mortgage

Document Number	0012790082
Date	Oct 13, 2022
Instrument	1279-0082

Lender

Name	TIMOTHY GOUGH
Type	Private Party

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 7, 2042

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Jun 16, 2021
Property Address	110 ELM ST, CHESTERTOWN, MD 21620-1204
Document Number	0011610060
Book / Page	1161 / 60
Map Reference	LB WHG27 FO 20
Instrument Date	Jun 14, 2021
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Amount	Amount 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	Family Trust
Address	132 CENTURY LN, ARROYO GRANDE, CA 93420-4426

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Oct 20, 2017
Property Address	110 ELM ST, CHESTERTOWN, MD 21620-1204
Document Number	0009210100
Book / Page	0921 / 100
Map Reference	LB WHG27 FO20
Instrument Date	Oct 18, 2017
Instrument	0921-100
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount on Record
Tax	$30.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 ELM ST, CHESTERTOWN, MD 21620-1204

Tax Assessment & Valuation

The 2026 property tax bill for 110 Elm St was $4,817, down 4% 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	$4,817.00 (-4.02%)	$307,400 (-4.03%) Land $90,300 Building $217,100	$307,400 (-4.03%) Land $90,300 Building $217,100
2025	$5,019.00	$320,300 Land $90,300 Building $230,000	$320,300 Land $90,300 Building $230,000
2023	$3,344.00	$249,967	$320,300 Land $90,300 Building $230,000

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

Flood

FEMA maps place 110 Elm 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 110 Elm 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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