120 Riverside Ter, #9, Chestertown, MD 21620 Property Records

Kent County property record for 120 Riverside Ter, #9, Chestertown, MD 21620

Property Summary

Property Type	Condominium
Details	1 ba · 896 sqft · built 1986
Lot Size	0.123 acres (5,362 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Nov 2023)
Tax Bill	$5,093 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-020626`

Property Details

APN / Parcel Number

Primary APN	`04-020626`
Alternative APNs	`4020626` `020626`

Interior

Full Baths	1 Bath
Building Area	896 sqft Total Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Condo/Apartment
Lot Area	5,362 sqft (0.123 acres)
Porch	Porch
Porch Area	112 sqft
Deck Area	176 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Connected

Location & Zoning

Account Number	020626
Street Address	120 RIVERSIDE TER, 9
City	CHESTERTOWN
State	MD
Zip	21620-1632
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-3
Legal Description	UNIT 9-5,362 SQ FT 120 RIVERSIDE TERRACE RIVERSIDE TERRACE
Legal Subdivision	RIVERSIDE TERRACE
Legal Lot Number	10
Legal Unit	9
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	2
Census Block	2001
Census Tract	950300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Chestertown Historic District (Boundary Increase) listed 1984 · 456 contributing resources · NRIS 84001808

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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 RIVERSIDE TER, CHESTERTOWN, MD 21620-1632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2023	Deed, Transfer · Stand-Alone First Mortgage FRANCIS ELEUTERIO
Feb 22, 2017	Grant Deed, Transfer · Conventional Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2023 · Amount on Record
Deed Sale	Nov 16, 2023 · Amount on Record
Prior Sale	Feb 22, 2017 · Amount on Record
Deed Book / Page	1340 / 212
Record Updated	Oct 29, 2026

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Nov 16, 2023
Property Address	120 RIVERSIDE TER # 9, 9, CHESTERTOWN, MD 21620-1632
Document Number	0013400212
Book / Page	1340 / 212
Map Reference	LB EHP 194 FO 25
Instrument Date	Nov 13, 2023
Transaction Type	Transfer
Record Updated	Nov 28, 2023

Transaction

Amount	Amount Recorded
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	120 RIVERSIDE TER, CHESTERTOWN, MD 21620-1632

Mortgage

Document Number	0013400218
Date	Nov 16, 2023
Instrument	1340-0218

Lender

Name	FRANCIS ELEUTERIO
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	1 Months
Due	Dec 13, 2023

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENT MD
Recording Date	Feb 22, 2017
Property Address	120 RIVERSIDE TER # 9, 9, CHESTERTOWN, MD 21620-1632
Document Number	0008950478
Book / Page	00089 / 000478
Instrument Date	Feb 21, 2017
Transaction Type	Transfer
Record Updated	Jan 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	120 RIVERSIDE TER CHESTERTOWN MD 216201632, CHESTERTOWN, MD 21620-1632

Mortgage

Document Number	8950484
Date	Feb 22, 2017
Book Page	000895/000484

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 21, 2027

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	$5,093.00 (+4.84%) Homeowner's exemption	$325,000 (+5.98%)	$355,000 (+14.52%) Land $275,000 Building $80,000
2025	$4,858.00 (+2.3%) Homeowner's exemption
2023	$4,749.00 Homeowner's exemption	$306,667	$310,000 Land $230,000 Building $80,000

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 247 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
IQ Fiber Fiber	1,000 / 1,000
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: BridgeMAXX Suncoast Broadband.

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