1257 Philosophers Ter, Chestertown, MD 21620 Property Records

Kent County property record for 1257 Philosophers Ter, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,152 sqft · built 2001
Lot Size	0.347 acres (15,115 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Jul 2019)
Tax Bill	$4,391 (2026)
Deeds & Mortgages	Oct 2020 Transfer Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-015215`

Property Details

APN / Parcel Number

Primary APN	`04-015215`
Alternative APNs	`4015215` `015215`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,152 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,115 sqft (0.347 acres)
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	015215
Street Address	1257 PHILOSOPHERS TER
City	CHESTERTOWN
State	MD
Zip	21620
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LOT 3 - 0.347 AC 125-7 PHILOSOPHERS TERR PHILOSOPHERS COURT, LLC
Legal Subdivision	PHILOSOPHERS COURT LLC LANDS
Legal Lot Number	3
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

1257 Philosophers Ter is owned by two individuals who acquired it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	125 PHILOSOPHERS TER, 7, CHESTERTOWN, MD 21620-1625
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 30, 2019	Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2019 · Amount on File
Deed Sale	Jul 30, 2019 · Amount on File
Prior Sale	Jan 30, 2012 · Amount on File
Deed Book / Page	1011 / 163
Last Transfer Date	Sep 8, 2020
Transfer Doc	0010930156
Record Updated	Oct 29, 2026

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENT MD
Recording Date	Oct 14, 2020
Property Address	1257 PHILOSOPHERS TER, CHESTERTOWN, MD 21620
Document Number	0010930156
Book / Page	001093 / 000156
Instrument Date	Sep 8, 2020
Transaction Type	Transfer
Record Updated	Oct 29, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	125 PHILOSOPHERS TER #7 CHESTERTOWN MD 216201625, 7, CHESTERTOWN, MD 21620-1625

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Jul 30, 2019
Property Address	1257 PHILOSOPHERS TER, CHESTERTOWN, MD 21620
Document Number	0010110163
Book / Page	1011 / 163
Map Reference	MB MLM4 FO 50
Instrument Date	Jul 12, 2019
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	IN HOUSE TITLE CO

Transaction

Amount	Amount on Record
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	101 MORGNEC RD APT M104, M104, CHESTERTOWN, MD 21620-1156

Mortgage

Document Number	0001011168
Date	Jul 30, 2019
Instrument	1011/168

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 1257 Philosophers Ter was $4,391, up 0.6% from the year before.

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	$4,391.00 (+0.62%)	$280,233 (+0.62%)	$283,700 (+1.87%) Land $127,700 Building $156,000
2025	$4,364.00	$278,500 Land $127,700 Building $150,800	$278,500 Land $127,700 Building $150,800
2023	$3,483.00	$241,967	$278,500 Land $127,700 Building $150,800

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

Flood

FEMA maps place 1257 Philosophers Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1257 Philosophers Ter is low, with less than a 0.01% annual chance of 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	Direct burnable vegetation

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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