127 Cedar Rd, Chester, MD 21619 Property Records

Queen Anne's County property record for 127 Cedar Rd, Chester, MD 21619

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,087 sqft · built 2006
Lot Size	0.539 acres (23,478 sqft)
Owner	2 Individual Names on Record
Last Sale	$690,000 (Dec 2022)
Tax Bill	$5,836 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-076028`

Property Details

APN / Parcel Number

Primary APN	`04-076028`
Alternative APNs	`4076028` `076028`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,087 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	23,478 sqft (0.539 acres)
Lot Dimensions	235 ft deep x 100 ft wide
Garage Type	Built-in
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Pool Area	702 sqft
Porch	Slab
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	076028
Street Address	127 CEDAR RD
City	CHESTER
State	MD
Zip	21619-2296
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC-20
Legal Description	LT 49-A - 23,478 SQ BENTON'S PLEASURE
Legal Subdivision	BENTONS PLEASURE
Legal Lot Number	49A
Jurisdiction	QUEEN ANNE'S MD
Township / Civil Division	4, KENT ISLAND
Census Block Group	2
Census Block	2030
Census Tract	811000

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	127 CEDAR RD, CHESTER, MD 21619-2296
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2022	Deed, Transfer · Conventional Mortgage NAVY FCU
Mar 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Sep 23, 2019	Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 18, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2022 · Amount on Record
Deed Sale	Dec 22, 2022 · Amount on Record
Prior Sale	Sep 23, 2019 · Amount on Record
Deed Book / Page	4160 / 156
Prior Transfer Date	Jun 14, 2018
Prior Transfer Doc	0029170265
Record Updated	Sep 20, 2026

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Dec 22, 2022
Property Address	127 CEDAR RD, CHESTER, MD 21619-2296
Document Number	0041600156
Book / Page	4160 / 156
Instrument Date	Dec 19, 2022
Transaction Type	Transfer
Record Updated	Jan 13, 2023
Title Company	TITLE EXCELLENCE LLC, TITLE EXCELLENCE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	127 CEDAR RD, CHESTER, MD 21619-2296

Mortgage

Document Number	0041600163
Date	Dec 22, 2022
Instrument	4160-0163

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	127 CEDAR RD, CHESTER, MD 21619-2296
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 CEDAR RD, CHESTER, MD 21619-2296

Mortgage

Document Number	0039960263
Date	Mar 16, 2022
Book Page	3996/263

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Jul 1, 2051

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Sep 23, 2019
Property Address	127 CEDAR RD, CHESTER, MD 21619-2296
Document Number	0031620001
Book / Page	3162 / 001
Instrument Date	Sep 12, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	MULTIPLE

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	127 CEDAR RD, CHESTER, MD 21619-2296

Mortgage

Document Number	0000031627
Date	Sep 23, 2019
Instrument	3162/7

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

June 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Jun 18, 2018
Property Address	127 CEDAR RD, CHESTER, MD 21619-2296
Document Number	0029170265
Book / Page	2917 / 265
Instrument Date	Jun 14, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	THE ATLANTIC TITLE GROUP

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 CEDAR RD, CHESTER, MD 21619-2296

Mortgage

Document Number	0002917270
Date	Jun 18, 2018
Instrument	2917/270

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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
Unified School District	Queen Annes County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$670,100 (+8.16%) Land $184,600 Building $485,500	$670,100 (-) Land $184,600 Building $485,500
2025	$5,836.00 (+19.52%)	$619,533 (+19.51%)	$670,100 (+29.26%) Land $184,600 Building $485,500
2023	$4,883.00	$518,400 Land $173,800 Building $344,600	$518,400 Land $173,800 Building $344,600

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 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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