120 E Cross St, Galena, MD 21635 Property Records

Kent County property record for 120 E Cross St, Galena, MD 21635

Property Summary

Property Type	Grocery, Supermarket
Details	4,218 sqft · built 1900
Lot Size	0.675 acres (29,400 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Jul 2018)
Tax Bill	$6,568 (2025)
Deeds & Mortgages	Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-020307`

Property Details

APN / Parcel Number

Primary APN	`01-020307`
Alternative APN	`020307`

Interior

Stories	1 Story
Building Area	4,218 sqft Total Area
1st Floor Area	4,218 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Block
Construction Type	Brick
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	29,400 sqft (0.675 acres)
Lot Dimensions	245 ft deep x 120 ft wide
Loading Dock	234 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	020307
Street Address	120 E CROSS ST
City	GALENA
State	MD
Zip	21635-1201
Property Category	Commercial
Property Type	Commercial > Retail > Grocery, Supermarket
Local Zoning Code	C
Legal Description	LOT 120X245 120 E CROSS ST GALENA
Legal Lot Number	120
Jurisdiction	KENT MD
Township / Civil Division	1, MASSEY
Census Block Group	1
Census Block	1029
Census Tract	950100

Owner

Source: Kent County records · APN 01-020307

Assessment roll updated August 5, 2025 · Last verified August 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 File
Mailing Address	120 E CROSS ST, GALENA, MD 21635-1201
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 20, 2018 · Amount on Record
Deed Sale	Jul 20, 2018 · Amount on Record
Prior Sale	Jun 26, 2014 · Amount on Record
Deed Book / Page	956 / 23
Transfer Doc	0002540342
Record Updated	Sep 20, 2026

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Jul 20, 2018
Property Address	120 E CROSS ST, GALENA, MD 21635-1201
Document Number	0009560023
Book / Page	0956 / 023
Instrument Date	Jul 11, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	120 E CROSS ST, GALENA, MD 21635-1201

Mortgage

Document Number	0000095628
Date	Jul 20, 2018
Instrument	0956/28

Lender

Name	CNB
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Kent County records · Assessment roll updated August 5, 2025 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$491,400 (+0.46%) Land $195,200 Building $296,200	$491,400 (-) Land $195,200 Building $296,200
2025	$6,568.00 (+28.68%)	$489,167 (+0.92%)	$491,400 (+1.38%) Land $195,200 Building $296,200
2023	$5,104.00	$484,700 Land $195,200 Building $289,500	$484,700 Land $195,200 Building $289,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 15, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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: ALTIUS Communications, Cogeco Cable Holdings II, IQ Fiber Intermediate Holdings, Talkie Communications.

Based on FCC filings for 43 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOWN OF GALENA serves 560 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.