122 Cedar Rd, Chester, MD 21619 Property Records

Queen Anne's County property record for 122 Cedar Rd, Chester, MD 21619

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,804 sqft · built 2001
Lot Size	0.999 acres (43,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$489,000 (Apr 2019)
Tax Bill	$5,359 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Apr 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-076621`

Property Details

APN / Parcel Number

Primary APN	`04-076621`
Alternative APNs	`4076621` `076621`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,804 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	43,500 sqft (0.999 acres)
Lot Dimensions	435 ft deep x 100 ft wide
Garage Type	Built-in
Garage Area	744 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	144 sqft
Deck Area	344 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	076621
Street Address	122 CEDAR RD
City	CHESTER
State	MD
Zip	21619-2226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC-20
Legal Description	LOT 62 BENTON'S PLEASURE
Legal Subdivision	BENTONS PLEASURE
Legal Lot Number	62
Jurisdiction	QUEEN ANNE'S MD
Township / Civil Division	4, KENT ISLAND
Census Block Group	2
Census Block	2029
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	122 CEDAR RD, CHESTER, MD 21619-2226
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Deed of Trust, Mortgage · Line of Credit NEW AMERICAN FUNDING
Apr 27, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 17, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 24, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 18, 2019	Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2019 · Amount on Record
Deed Sale	Apr 18, 2019 · Amount on Record
Prior Sale	Aug 2, 1999 · Amount on Record
Deed Book / Page	3072 / 7
Transfer Doc	0000001191
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Jun 18, 2026
Property Address	122 CEDAR RD, CHESTER, MD 21619-2226
Document Number	4801000140
Book / Page	4801 / 140
Instrument Date	Jun 10, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 CEDAR RD, CHESTER, MD 21619-2226

Mortgage

Document Number	4801000140,
Date	Jun 18, 2026
Book Page	4801/140

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 7, 2046

Interest

Rate	6.36%
Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	122 CEDAR RD, CHESTER, MD 21619-2226
Transaction Type	Mortgage
Record Updated	May 11, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 CEDAR RD, CHESTER, MD 21619-2226

Mortgage

Document Number	0042130206
Date	Apr 27, 2023
Book Page	4213/206

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CORAOPOLIS, PA 15108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	314 Months
Due	Jun 1, 2049

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	122 CEDAR RD, CHESTER, MD 21619-2226
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 CEDAR RD, CHESTER, MD 21619-2226

Mortgage

Document Number	0038060104
Date	Aug 17, 2021
Book Page	3806/104

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Jun 1, 2049

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	122 CEDAR RD, CHESTER, MD 21619-2226
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033690175
Date	Jun 24, 2020
Book Page	3369/175

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jun 1, 2049

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Apr 18, 2019
Property Address	122 CEDAR RD, CHESTER, MD 21619-2226
Document Number	0030720007
Book / Page	3072 / 007
Map Reference	MB TSP 1 FO 2
Instrument Date	Apr 17, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	NEWLYN TTL ASSURANCE CO INC

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	122 CEDAR RD, CHESTER, MD 21619-2226

Mortgage

Document Number	0000307214
Date	Apr 18, 2019
Instrument	3072/14

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

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		$605,700 (+7.67%) Land $189,600 Building $416,100	$605,700 (-) Land $189,600 Building $416,100
2025	$5,359.00 (+19.49%)	$562,533 (+18.13%)	$605,700 (+27.19%) Land $189,600 Building $416,100
2023	$4,485.00	$476,200 Land $175,800 Building $300,400	$476,200 Land $175,800 Building $300,400

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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