114 Cedar Rd, Chester, MD 21619 Property Records

Queen Anne's County property record for 114 Cedar Rd, Chester, MD 21619

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,108 sqft · built 1977
Lot Size	0.999 acres (43,500 sqft)
Owner	2 Individual Names on File
Last Sale	$491,023 (Sep 2026)
Tax Bill	$3,845 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-076087`

Property Details

APN / Parcel Number

Primary APN	`04-076087`
Alternative APNs	`4076087` `076087`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,108 sqft Total Area
Basement Area	1,040 sqft
Finished Basement	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Foyer
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	43,500 sqft (0.999 acres)
Lot Dimensions	435 ft deep x 100 ft wide
Garage Type	Mixed
Garage Area	1,536 sqft
Parking Spaces	5 Parking Spaces
Porch	Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	076087
Street Address	114 CEDAR RD
City	CHESTER
State	MD
Zip	21619-2226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC-20
Legal Description	LOT 66 BENTONS PLEASURE
Legal Subdivision	BENTON PLEASURE
Legal Lot Number	66
Jurisdiction	QUEEN ANNE'S MD
Township / Civil Division	4, KENT ISLAND
Census Block Group	2
Census Block	2029
Census Tract	811000

Owner

114 Cedar Rd is owned and occupied by two individuals who bought it in September 2026.

Source: Queen Anne's County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	114 CEDAR RD, CHESTER, MD 21619-2226
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 11, 2026	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORPORATION
May 27, 2026	Deed, Transfer · Conventional Mortgage REAR TITLE, REXTAR TITLE
Jan 4, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 5, 2018	Grant Deed, Transfer CHANCELLOR TITLE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2026 · Amount on File
Deed Sale	Sep 11, 2026 · Amount on File
Prior Sale	May 27, 2026 · Amount on File
Deed Document Number	2026
Deed Book / Page	4844 / 237
Prior Transfer Date	Jan 3, 2019
Prior Transfer Doc	0030230282
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Sep 11, 2026
Property Address	114 CEDAR RD, CHESTER, MD 21619-2226
Document Number	4844000237
Book / Page	4844 / 237
Instrument Date	Aug 21, 2026
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	EMKAY TITLE SOLUTIONS LLC, EMKAY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49,593.02
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	114 CEDAR RD, CHESTER, MD 21619-2226

Mortgage

Document Number	4844000242,
Date	Sep 11, 2026
Book Page	4844/242

Lender

Name	FIRST HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	May 27, 2026
Property Address	114 CEDAR RD, CHESTER, MD 21619-2226
Document Number	4787000217
Book / Page	4787 / 217
Instrument Date	May 21, 2026
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	REAR TITLE, REXTAR TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38,380.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	4787000221,
Date	May 27, 2026
Book Page	4787/221

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.3%
Max Rate	-1%

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Jan 4, 2019
Property Address	114 CEDAR RD, CHESTER, MD 21619-2226
Document Number	0030230282
Book / Page	003023 / 000282
Instrument Date	Jan 3, 2019
Transaction Type	Transfer
Record Updated	Jan 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	114 CEDAR RD CHESTER MD 216192226, CHESTER, MD 21619-2226

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Feb 5, 2018
Property Address	114 CEDAR RD, CHESTER, MD 21619-2226
Document Number	0028470160
Book / Page	002847 / 000160
Instrument Date	Jan 31, 2018
Transaction Type	Transfer
Record Updated	Feb 12, 2018
Title Company	CHANCELLOR TITLE SERVICES INC

Transaction

Amount	Amount on Record
Tax	$349.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 STAUFFER RD SEVERNA PARK MD 211463021, SEVERNA PARK, MD 21146-3021

Tax Assessment & Valuation

The 2025 property tax bill for 114 Cedar Rd was $3,845.

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		$432,200 (+5.87%) Land $189,600 Building $242,600	$432,200 (-) Land $189,600 Building $242,600
2025	$3,845.00	$408,233	$432,200 Land $189,600 Building $242,600
2023	$3,394.00	$360,300 Land $175,800 Building $184,500	$360,300 Land $175,800 Building $184,500

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

Flood

FEMA maps place 114 Cedar Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 101 policies
Nearby Flood Policies	101 in force
Nearby Flood Claims	94 (1979–2024)
Claims Outside the SFHA	13 of 94
Most Recent Claim	Aug 2024 · tidal / storm surge
Claims by Event	Hurricane Isabel, Sep 2003 · 60 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 4 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 114 Cedar Rd is low, with 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 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 86 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

May also be available: BridgeMAXX Suncoast Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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