114 Oak Leaf Dr, Chestertown, MD 21620 Property Records

Kent County property record for 114 Oak Leaf Dr, Chestertown, MD 21620

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,879 sqft · built 2004
Lot Size	0.05 acres (2,160 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Aug 2022)
Tax Bill	$3,573 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-027698`

Property Details

APN / Parcel Number

Primary APN	`04-027698`
Alternative APN	`027698`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,879 sqft Total Area
Utility Area	32 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,160 sqft (0.05 acres)
Garage Type	Built-in
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	027698
Street Address	114 OAK LEAF DR
City	CHESTERTOWN
State	MD
Zip	21620-1180
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R3/R4
Legal Description	LOT 27 - 2,160 SQ FT 114 OAK LEAF DR CHESTERTOWN
Legal Subdivision	LANDS OF OAK STREET
Legal Lot Number	27
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	1
Census Block	1011
Census Tract	950300

Owner

114 Oak Leaf Dr, a townhouse, is owned by two individuals who bought it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	232 ASHLAND RD, COCKEYSVILLE, MD 21030-1913
Owner Type	Individual

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
Aug 26, 2022	Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Mar 3, 2021	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Aug 16, 2018	Deed, Transfer · VA Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2022 · Amount on File
Deed Sale	Aug 26, 2022 · Amount on File
Prior Sale	Aug 16, 2018 · Amount on File
Deed Book / Page	1270 / 185
Record Updated	Oct 29, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Aug 26, 2022
Property Address	114 OAK LEAF DR, CHESTERTOWN, MD 21620-1180
Document Number	0012700185
Book / Page	1270 / 185
Map Reference	MB 2 FO 440
Instrument Date	Aug 11, 2022
Transaction Type	Transfer
Record Updated	Sep 7, 2022
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	232 ASHLAND RD, COCKEYSVILLE, MD 21030-1913

Mortgage

Document Number	0001270191
Date	Aug 26, 2022
Instrument	1270-191

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	114 OAK LEAF DR, CHESTERTOWN, MD 21620-1180
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011320001
Date	Mar 3, 2021
Book Page	1132/1

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Apr 1, 2050

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Aug 16, 2018
Property Address	114 OAK LEAF DR, CHESTERTOWN, MD 21620-1180
Document Number	0009600146
Book / Page	0960 / 146
Map Reference	MB MLM2 FO440
Instrument Date	Aug 14, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CHANCELLOR TITLE AGENCY INC

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 OAK LEAF DR, CHESTERTOWN, MD 21620-1180

Mortgage

Document Number	0000960151
Date	Aug 16, 2018
Instrument	0960/151

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 114 Oak Leaf Dr was $3,573, down 5.1% from the year before.

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	$3,573.00 (-5.07%)	$228,000 Land $60,000 Building $168,000	$228,000 Land $60,000 Building $168,000
2025	$3,764.00
2023	$2,683.00	$194,933	$240,200 Land $60,000 Building $180,200

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

Flood

FEMA maps place 114 Oak Leaf Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.

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
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (2003–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jan 2024 · river or lake flooding
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

Wildfire risk around 114 Oak Leaf Dr 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 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 238 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.

Nearby Properties on Oak Leaf Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures