112 Pine Chip Rd, Chestertown, MD 21620 Property Records

Queen Anne's County property record for 112 Pine Chip Rd, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,248 sqft · built 1978
Lot Size	0.457 acres (19,910 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Jun 2024)
Tax Bill	$2,292 (2025)
Deeds & Mortgages	Dec 2019 Line of Credit Aug 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-004186`

Property Details

APN / Parcel Number

Primary APN	`02-004186`
Alternative APNs	`2004186` `004186`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,248 sqft Total Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	19,910 sqft (0.457 acres)
Lot Dimensions	181 ft deep x 110 ft wide
View / Lot	Waterfront
Garage Type	Carport
Garage Area	1,050 sqft
Carport	Carport
Carport Area	1,050 sqft
Parking Spaces	4 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Pool Area	512 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	004186
Street Address	112 PINE CHIP RD
City	CHESTERTOWN
State	MD
Zip	21620-2848
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC-20
Legal Description	LOT 4 THOS COLEMAN LANDS
Legal Subdivision	THOMAS COLEMAN
Legal Lot Number	4
Jurisdiction	QUEEN ANNE'S MD
Township / Civil Division	2, CHURCH HILL
Census Block Group	1
Census Block	1010
Census Tract	810300

Owner

Source: Queen Anne's County records, as of September 21, 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	112 PINE CHIP RD, CHESTERTOWN, MD 21620-2848
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2019	Deed of Trust, Mortgage · Line of Credit NEXTMARK FEDERAL CREDIT UNION
Aug 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC COAST MORTGAGE
Feb 3, 2020	Deed of Trust, Mortgage · Closed-End Mortgage HOME LOAN AND INVESTMENT BANK FSB
Jan 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC COAST MORTGAGE
Aug 2, 2018	Grant Deed, Transfer LIBERTY TITLE ESCROW/MD LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2024 · Amount on Record
Deed Sale	Jun 12, 2024 · Amount on Record
Prior Sale	Aug 2, 2018 · Amount on Record
Deed Book / Page	4398 / 86
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	112 PINE CHIP RD, CHESTERTOWN, MD 21620-2848
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	CHAMPION TTL & SETTLEMENTS I

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032200274
Date	Dec 11, 2019
Book Page	3220/274

Lender

Name	NEXTMARK FEDERAL CREDIT UNION
Address	FAIRFAX, VA 22030

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	112 PINE CHIP RD, CHESTERTOWN, MD 21620-2848
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	LIBERTY TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031460261
Date	Aug 29, 2019
Book Page	3146/261

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	112 PINE CHIP RD, CHESTERTOWN, MD 21620-2848
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	INTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032570105
Date	Feb 3, 2020
Book Page	3257/105

Lender

Name	HOME LOAN AND INVESTMENT BANK FSB
Type	Bank
Address	WARWICK, RI 02886

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	237 Months
Due	Nov 27, 2039

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	112 PINE CHIP RD, CHESTERTOWN, MD 21620-2848
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	LIBERTY TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035610104
Date	Jan 5, 2021
Book Page	3561/104

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Aug 2, 2018
Property Address	112 PINE CHIP RD, CHESTERTOWN, MD 21620-2848
Document Number	0029400180
Book / Page	002940 / 000180
Instrument Date	Jul 27, 2018
Transaction Type	Transfer
Record Updated	Aug 13, 2018
Title Company	LIBERTY TITLE ESCROW/MD LLC

Transaction

Amount	Amount Recorded
Tax	$188.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	112 PINE CHIP RD CHESTERTOWN MD 216202848, CHESTERTOWN, MD 21620-2848

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		$262,067 (+29.22%)	$312,200 (+31.73%) Land $132,200 Building $180,000
2025	$2,292.00 (+2%)
2023	$1,910.00	$202,800	$237,000 Land $75,000 Building $162,000

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 42 policies
Nearby Flood Policies	42 in force
Nearby Flood Claims	30 (1979–2024)
Claims Outside the SFHA	10 of 30
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Sandy, Oct 2012 · 2 claims Hurricane Isabel, Sep 2003 · 20 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 97% of the US · lower than 94% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 142 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

May also be available: BridgeMAXX Suncoast Broadband.

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