123 Aker Rd, Queenstown, MD 21658 Property Records

Queen Anne's County property record for 123 Aker Rd, Queenstown, MD 21658

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,080 sqft · built 1972
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$189,900 (Nov 2018)
Tax Bill	$535 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit May 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-020999`

Property Details

APN / Parcel Number

Primary APN	`05-020999`
Alternative APNs	`5020999` `020999`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,080 sqft Total Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	020999
Street Address	123 AKER RD
City	QUEENSTOWN
State	MD
Zip	21658-1303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 10 FRIELS SUBDIVISION A QUEENSTOWN
Legal Subdivision	FRIELS SUB
Legal Lot Number	10
Jurisdiction	QUEEN ANNE'S MD
Township / Civil Division	5, QUEENSTOWN
Census Block Group	1
Census Block	1018
Census Tract	810600

Owner

Source: Queen Anne's County records, as of August 18, 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	123 AKER RD, QUEENSTOWN, MD 21658-1303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
May 7, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
Feb 1, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 20, 2018	Grant Deed, Transfer · VA Mortgage CALIBER HM LOANS
May 10, 2018	Trustee's Deed, Construction Loan · Construction Mortgage BETTY CARSON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2018 · Amount on Record
Deed Sale	Nov 20, 2018 · Amount on Record
Prior Sale	May 2, 2012 · Amount on Record
Deed Book / Page	3001 / 115
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	123 AKER RD, QUEENSTOWN, MD 21658-1303
Transaction Type	Mortgage
Record Updated	Feb 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 AKER RD, QUEENSTOWN, MD 21658-1303

Mortgage

Document Number	0041750013
Date	Jan 31, 2023
Book Page	4175/13

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	JOHNSTON, RI 02919

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Dec 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	123 AKER RD, QUEENSTOWN, MD 21658-1303
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033270034
Date	May 7, 2020
Book Page	3327/34

Lender

Name	QUICKEN LOANS INC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	123 AKER RD, QUEENSTOWN, MD 21658-1303
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035880293
Date	Feb 1, 2021
Book Page	3588/293

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Nov 20, 2018
Property Address	123 AKER RD, QUEENSTOWN, MD 21658-1303
Document Number	0030010115
Book / Page	003001 / 000115
Instrument Date	Nov 2, 2018
Transaction Type	Transfer
Record Updated	Dec 4, 2018
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$189.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2725 CECIL DR CHESTER MD 216192186, CHESTER, MD 21619-2186

Mortgage

Document Number	30010125
Date	Nov 20, 2018
Book Page	003001/000125

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2048

May 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	May 10, 2018
Property Address	123 AKER RD, QUEENSTOWN, MD 21658-1303
Document Number	0028980057
Book / Page	002898 / 000057
Instrument Date	May 4, 2018
Transaction Type	Construction Loan
Record Updated	May 23, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 AKER RD QUEENSTOWN MD 216581303, QUEENSTOWN, MD 21658-1303

Mortgage

Document Number	28980057
Date	May 10, 2018
Book Page	002898/000057

Lender

Name	BETTY CARSON

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 9, 2019

Tax Assessment & Valuation

Source: Queen Anne's County assessment roll, as of August 12, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Queen Anne's County
Municipality	Queenstown Town
Unified School District	Queen Annes County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$240,600 (+15.17%)	$251,100 (+14.34%) Land $150,500 Building $100,600
2025	$535.00 (-77.96%) Homeowner's exemption
2023	$2,427.00 Homeowner's exemption	$208,900	$219,600 Land $130,200 Building $89,400

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	10 (1979–2020)
Most Recent Claim	Nov 2020 · rainfall accumulation
Claims by Event	Hurricane Isabel, Sep 2003 · 6 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 97% of the US · lower than 94% 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 QUEENSTOWN serves 705 people · EPA ID MD0170003
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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 211 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
Xfinity Fiber	2,000 / 2,000
Breezeline Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: BridgeMAXX Suncoast Broadband.

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