114 E Cross St, Galena, MD 21635 Property Records

Kent County property record for 114 E Cross St, Galena, MD 21635

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,088 sqft · built 1900
Lot Size	0.228 acres (9,931 sqft)
Owner	2 Individual Names on Record
Last Sale	$199,000 (Mar 2023)
Tax Bill	$2,294 (2026)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-001531`

Property Details

APN / Parcel Number

Primary APN	`01-001531`
Alternative APN	`001531`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,088 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,931 sqft (0.228 acres)
Porch	Porch
Porch Area	216 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	001531
Street Address	114 E CROSS ST
City	GALENA
State	MD
Zip	21635-1201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 0.228 AC 114 CROSS ST GALENA
Legal Subdivision	LANDS OF RICHARD B NORTHAN
Jurisdiction	KENT MD
Township / Civil Division	1, MASSEY
Census Block Group	1
Census Block	1021
Census Tract	950100

Owner

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	2 Individual Names on Record
Mailing Address	114 W CROSS ST, GALENA, MD 21635-1558
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2023	Deed, Transfer · Conventional Mortgage PIKE CREEK MORTGAGE SERVICES INC
Jan 24, 2020	Deed of Trust, Mortgage RESIDENTIAL MTG SVC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2023 · Amount on Record
Deed Sale	Mar 29, 2023 · Amount on Record
Prior Sale	Feb 10, 2020 · Amount on Record
Deed Book / Page	1301 / 90
Transfer Doc	0000000651
Record Updated	Oct 29, 2026

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Mar 29, 2023
Property Address	114 E CROSS ST, GALENA, MD 21635-1201
Document Number	0013010090
Book / Page	1301 / 90
Map Reference	LB 1044 FO 162
Instrument Date	Mar 9, 2023
Transaction Type	Transfer
Record Updated	Sep 26, 2023
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$497.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	114 W CROSS ST, GALENA, MD 21635-1558

Mortgage

Document Number	0013010098
Date	Mar 29, 2023
Instrument	1301-0098

Lender

Name	PIKE CREEK MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	114 S CROSS ST, CHESTERTOWN, MD 21620-1514
Instrument Date	Jan 24, 2020
Transaction Type	Mortgage
Record Updated	Feb 26, 2020
Title Company	KIRSH TITLE SERVICES, KIRSH TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	114 CROSS ST GALENA MD 21635, GALENA, MD 21635

Mortgage

Document Number	10440167
Date	Feb 10, 2020
Book Page	001044/000167

Lender

Name	RESIDENTIAL MTG SVC
Type	Mortgage Company
Address	SOUTH PORTLAND, ME 04106

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2050

Tax Assessment & Valuation

Source: Kent County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Kent County
Municipality	Galena Town
Unified School District	Kent County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,294.00 (+5.62%) Homeowner's exemption	$174,000 (+7.52%) Land $46,200 Building $127,800	$174,000 (-) Land $46,200 Building $127,800
2025	$2,172.00 (+27.76%) Homeowner's exemption	$161,833 (+17.7%)	$174,000 (+26.55%) Land $46,200 Building $127,800
2023	$1,700.00	$137,500 Land $46,200 Building $91,300	$137,500 Land $46,200 Building $91,300

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 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	6 (1999–2024)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Hurricane Isabel, Sep 2003 · 2 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 95% of the US · lower than 90% 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 GALENA serves 560 people · EPA ID MD0140004
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	2 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 178 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
RiverNet Fixed Wireless	1,200 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Breezeline, IQ Fiber.

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