120 Pine St, Chestertown, MD 21620 Property Records

Kent County property record for 120 Pine St, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,224 sqft · built 1954
Lot Size	0.258 acres (11,250 sqft)
Owner	Individual Name on Record
Last Sale	$136,500 (Jul 2014)
Tax Bill	$2,690 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-013174`

Property Details

APN / Parcel Number

Primary APN	`04-013174`
Alternative APN	`013174`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,224 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,250 sqft (0.258 acres)

Exterior Amenities

Porch	Porch
Porch Area	156 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	013174
Street Address	120 PINE ST
City	CHESTERTOWN
State	MD
Zip	21620-1209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	L 23 & S1/2-24 BL-A 120 PINE ST COLLEGE HEIGHTS
Legal Subdivision	PLAT #1 OF COLLEGE HEIGHTS
Legal Block	A
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	3
Census Block	3003
Census Tract	950300

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	120 PINE ST, CHESTERTOWN, MD 21620-1209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed of Trust, Mortgage · Line of Credit PRINCE GEORGES COMMUNITY FEDERAL CREDIT UNION
Jun 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Oct 16, 2019	Deed of Trust, Mortgage · Line of Credit PRINCE GEORGES COMMUNITY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2014 · Amount on Record
Deed Sale	Jul 2, 2014 · Amount on Record
Prior Sale	Jan 28, 1997
Deed Book / Page	799 / 128
Transfer Doc	0000000057
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Recording Date	Apr 13, 2026
Property Address	120 PINE ST, CHESTERTOWN, MD 21620-1209
Document Number	1492000163
Book / Page	1492 / 163
Instrument Date	Apr 10, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 PINE ST, CHESTERTOWN, MD 21620-1209
Investor	Possibly a Property Investor

Mortgage

Document Number	1492000163,
Date	Apr 13, 2026
Book Page	1492/163

Lender

Name	PRINCE GEORGES COMMUNITY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 15, 2051

Interest

Rate	6.11%
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	120 PINE ST, CHESTERTOWN, MD 21620-1209
Transaction Type	Mortgage
Record Updated	Jun 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011600002
Date	Jun 11, 2021
Book Page	1160/2

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	120 PINE ST, CHESTERTOWN, MD 21620-1209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010240194
Date	Oct 16, 2019
Book Page	1024/194

Lender

Name	PRINCE GEORGES COMMUNITY FCU
Type	Credit Union
Address	BOWIE, MD 20721

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$2,690.00 (+5.04%) Homeowner's exemption	$177,100 (+5.42%)	$195,300 (+16.25%) Land $90,300 Building $105,000
2025	$2,561.00 (+16.73%) Homeowner's exemption	$168,000 (+12.05%) Land $90,300 Building $77,700	$168,000 (-) Land $90,300 Building $77,700
2023	$2,194.00 Homeowner's exemption	$149,933	$168,000 Land $90,300 Building $77,700

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1980)
Most Recent Claim	Oct 1980 · rainfall accumulation

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 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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