113 Spring Ave, Chestertown, MD 21620 Property Records

Kent County property record for 113 Spring Ave, Chestertown, MD 21620

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	2,394 sqft · built 1920
Lot Size	0.148 acres (6,448 sqft)
Owner	Company Name on File
Last Sale	$175,000 (May 2021)
Tax Bill	$3,233 (2026)
Deeds & Mortgages	Mar 2017 Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-004809`

Property Details

APN / Parcel Number

Primary APN	`04-004809`
Alternative APNs	`4004809` `004809`

Interior

Units	6 Units
Stories	2 Stories
Building Area	2,394 sqft Total Area
1st Floor Area	2,394 sqft
Upper Floors Area	258 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Brick
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	6,448 sqft (0.148 acres)
Lot Dimensions	123 ft deep x 52 ft wide
Porch	Slab

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Connected

Location & Zoning

Account Number	004809
Street Address	113 SPRING AVE
City	CHESTERTOWN
State	MD
Zip	21620-1358
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	C-2
Legal Description	LOT 52X123 113 SPRING AVENUE CHESTERTOWN
Legal Lot Number	113
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	4
Census Block	4012
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

113 Spring Ave, a commercial property, is owned by a company that bought it in May 2021.

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

Owner of Record	Company Name on File
Mailing Address	502 MAIN ST, 3, CHURCH HILL, MD 21623-1538
Owner Type	Company
Vesting	Company

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

Date	Document
Mar 7, 2017	Deed of Trust, Mortgage · Commercial Mortgage DITECH FINANCIAL LLC
May 18, 2021	Deed, Transfer · Stand-Alone First Mortgage CHESAPEAKE BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2021 · Amount on File
Deed Sale	May 18, 2021 · Amount on File
Prior Sale	Aug 22, 2006 · Amount on File
Deed Book / Page	1153 / 183
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	113 SPRING AVE, CHESTERTOWN, MD 21620-1358
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008970217
Date	Mar 7, 2017
Book Page	0897/217
Instrument	0897-217

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	TAMPA, FL 33607

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2037

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	May 18, 2021
Property Address	113 SPRING AVE, CHESTERTOWN, MD 21620-1358
Document Number	0011530183
Book / Page	1153 / 183
Instrument Date	May 10, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	502 MAIN ST STE 3, 3, CHURCH HILL, MD 21623-1538

Mortgage

Document Number	0001153187
Date	May 18, 2021
Instrument	1153/187

Lender

Name	CHESAPEAKE BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 113 Spring Ave was $3,233.

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	$3,233.00	$206,300 Land $128,900 Building $77,400	$206,300 Land $128,900 Building $77,400
2025	$3,233.00
2023	$3,285.00	$211,000 Land $128,900 Building $82,100	$211,000 Land $128,900 Building $82,100

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

Flood

FEMA maps place 113 Spring Ave in Zone X, an area of minimal flood risk, though there have been 31 flood claims nearby since 1979.

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 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

Wildfire risk around 113 Spring Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.5% 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 247 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
IQ Fiber Fiber	1,000 / 1,000
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: BridgeMAXX Suncoast Broadband.

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