110 S Mill St, Chestertown, MD 21620 Property Records

Kent County property record for 110 S Mill St, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,492 sqft · built 1900
Lot Size	0.201 acres (8,775 sqft)
Owner	2 Individual Names on Record
Last Sale	$695,000 (Nov 2025)
Tax Bill	$6,345 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-022335`

Property Details

APN / Parcel Number

Primary APN	`04-022335`
Alternative APNs	`4022335` `022335`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,492 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Asbestos
Roof Material	Composition Shingle
Lot Area	8,775 sqft (0.201 acres)
Lot Dimensions	135 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	335 sqft
Deck Area	144 sqft
Patio Area	261 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	022335
Street Address	110 S MILL ST
City	CHESTERTOWN
State	MD
Zip	21620-1337
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	LOT 65X135 110 MILL ST CHESTERTOWN
Legal Lot Number	110
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	4
Census Block	4013
Census Tract	950300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Chestertown Historic District (Boundary Increase) listed 1984 · 456 contributing resources · NRIS 84001808

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Kent County records, as of August 18, 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 Record
Mailing Address	110 S MILL ST, CHESTERTOWN, MD 21620-1337
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2025	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Jan 11, 2018	Deed, Transfer · Commercial Mortgage CHESAPEAKE BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2025 · Amount on Record
Deed Sale	Nov 6, 2025 · Amount on Record
Prior Sale	Jan 11, 2018 · Amount on Record
Deed Book / Page	1463 / 170
Record Updated	Sep 20, 2026

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Nov 6, 2025
Property Address	110 S MILL ST, CHESTERTOWN, MD 21620-1337
Document Number	0014630170
Book / Page	1463 / 170
Instrument Date	Nov 5, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	DUKE LAND & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,475.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	110 S MILL ST, CHESTERTOWN, MD 21620-1337

Mortgage

Document Number	0001463176
Date	Nov 6, 2025
Instrument	1463/176

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

January 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Jan 11, 2018
Property Address	110 S MILL ST, CHESTERTOWN, MD 21620-1433
Document Number	0009300370
Book / Page	0930 / 370
Instrument Date	Jan 11, 2018
Instrument	0930-370
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,737.50
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	110 S MILL ST, CHESTERTOWN, MD 21620-1433

Mortgage

Document Number	930377
Date	Jan 11, 2018
Instrument	0930-377

Lender

Name	CHESAPEAKE BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Kent County assessment roll, as of August 5, 2025

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		$429,933 (+6.18%)	$480,000 (+18.55%) Land $206,700 Building $273,300
2025	$6,345.00 (+17.61%) Homeowner's exemption	$404,900 (+10.64%) Land $206,700 Building $198,200	$404,900 (-) Land $206,700 Building $198,200
2023	$5,395.00 Homeowner's exemption	$365,967	$404,900 Land $206,700 Building $198,200

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 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 Record median of 40 individual policies
Nearby Flood Policies	52 units insured incl. 12 condo units
Nearby Flood Claims	31 (1979–2024)
Claims Outside the SFHA	1 of 31
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Hurricane Sandy, Oct 2012 · 3 claims Hurricane Isabel, Sep 2003 · 18 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 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 426 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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