114 School Rd, Chestertown, MD 21620 Property Records

Kent County property record for 114 School Rd, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,102 sqft · built 1966
Lot Size	0.293 acres (12,750 sqft)
Owner	Individual Name on File
Last Sale	$249,900 (Mar 2024)
Tax Bill	$2,864 (2026)
Deeds & Mortgages	Mar 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-008421`

Property Details

APN / Parcel Number

Primary APN	`04-008421`
Alternative APNs	`4008421` `008421`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,102 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,750 sqft (0.293 acres)
Porch	Slab
Porch Area	108 sqft
Deck Area	110 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	008421
Street Address	114 SCHOOL RD
City	CHESTERTOWN
State	MD
Zip	21620-1426
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 46 PLAT 3 114 SCHOOL RD COLLEGE HEIGHTS
Legal Subdivision	COLLEGE HEIGHTS
Legal Lot Number	46
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	2
Census Block	2006
Census Tract	950300

Owner

114 School Rd is owned and occupied by an individual who bought it in March 2024.

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

Owner of Record	Individual Name on File
Mailing Address	114 SCHOOL RD, CHESTERTOWN, MD 21620-1426
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2024 · Amount on File
Deed Sale	Mar 1, 2024 · Amount on File
Prior Sale	Apr 9, 2009 · Amount on File
Deed Book / Page	1356 / 234
Transfer Doc	0000000199
Record Updated	Oct 29, 2026

March 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Mar 1, 2024
Property Address	114 SCHOOL RD, CHESTERTOWN, MD 21620-1426
Document Number	0013560234
Book / Page	1356 / 234
Map Reference	MB WHG 1 PG 43
Instrument Date	Feb 27, 2024
Transaction Type	Transfer
Record Updated	Mar 15, 2024
Title Company	PERFECTION TITLE LIMITED, PERFECTION TITLE LTD

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,249.50
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 SCHOOL READ, CHESTERTOWN, MD 21620-1426

Mortgage

Document Number	0013560241
Date	Mar 1, 2024
Instrument	1356-0241

Lender

Name	NORWICH COMMERCIAL GROUP INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2054

Tax Assessment & Valuation

The 2026 property tax bill for 114 School Rd was $2,864 with a homeowner's exemption, up 5.3% 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	$2,864.00 (+5.33%) Homeowner's exemption	$196,133 (+12.4%)	$239,400 (+37.19%) Land $90,600 Building $148,800
2025	$2,719.00 Homeowner's exemption	$174,500 Land $90,600 Building $83,900	$174,500 Land $90,600 Building $83,900
2023	$2,281.00	$155,833	$174,500 Land $90,600 Building $83,900

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

Flood

FEMA maps place 114 School Rd in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1983.

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 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	8 (1983–2003)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Sep 2003 · Hurricane Isabel
Claims by Event	Hurricane Isabel, Sep 2003 · 7 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 School Rd 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 96% of the US · lower than 92% 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 272 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
T-Mobile Fixed Wireless	100 / 20
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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