115 Cedar Rd, Chester, MD 21619 Property Records

Queen Anne's County property record for 115 Cedar Rd, Chester, MD 21619

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,816 sqft · built 2006
Lot Size	0.844 acres (36,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$895,000 (Feb 2026)
Tax Bill	$7,354 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-077776`

Property Details

APN / Parcel Number

Primary APN	`04-077776`
Alternative APNs	`4077776` `077776`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,816 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	36,750 sqft (0.844 acres)
Garage Type	Mixed
Garage Area	1,952 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	924 sqft
Porch	Slab
Porch Area	308 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	077776
Street Address	115 CEDAR RD
City	CHESTER
State	MD
Zip	21619-2296
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC-20
Legal Description	LOT A BENTONS PLEASURE
Legal Subdivision	BENTONS PLEASURE
Legal Lot Number	A
Jurisdiction	QUEEN ANNE'S MD
Township / Civil Division	4, KENT ISLAND
Census Block Group	2
Census Block	2030
Census Tract	811000

Owner

Source: Queen Anne's County records, as of September 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	115 CEDAR RD, CHESTER, MD 21619-2296
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jun 2, 2020	Deed, Transfer · Conventional Mortgage VELLUM MORTGAGE LLC
Oct 9, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2026 · Amount on Record
Deed Sale	Feb 27, 2026 · Amount on Record
Prior Sale	Jun 2, 2020 · Amount on Record
Deed Book / Page	4734 / 108
Record Updated	Oct 29, 2026

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Feb 27, 2026
Property Address	115 CEDAR RD, CHESTER, MD 21619-2296
Document Number	0047340108
Book / Page	4734 / 108
Map Reference	MB MWM 17 FO 23
Instrument Date	Feb 26, 2026
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	COUNSEL TITLE LLC, COUNSCLORS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,475.00
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 by the Entirety
Address	115 CEDAR RD, CHESTER, MD 21619-2296

Mortgage

Document Number	0004734115
Date	Feb 27, 2026
Instrument	4734/115

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

June 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Jun 2, 2020
Property Address	115 CEDAR RD, CHESTER, MD 21619-2296
Document Number	0033480238
Book / Page	3348 / 238
Map Reference	MB MWM 17 FO 23
Instrument Date	May 29, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	BAY TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	115 CEDAR RD, CHESTER, MD 21619-2296

Mortgage

Document Number	0003348246
Date	Jun 2, 2020
Instrument	3348/246

Lender

Name	VELLUM MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	115 CEDAR RD, CHESTER, MD 21619-2296
Document Number	0031850251
Instrument Date	Oct 9, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 CEDAR RD CHESTER MD 216192296, CHESTER, MD 21619-2296

Mortgage

Document Number	0031850251
Date	Oct 23, 2019
Book Page	003185/000251

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$845,500 (+8.29%) Land $187,900 Building $657,600	$845,500 (-) Land $187,900 Building $657,600
2025	$7,354.00 (+19.87%)	$780,767 (+19.88%)	$845,500 (+29.82%) Land $187,900 Building $657,600
2023	$6,135.00	$651,300 Land $175,100 Building $476,200	$651,300 Land $175,100 Building $476,200

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 25, 2022 · 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 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

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	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.

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