132 Pine Tree Rd, Chestertown, MD 21620 Property Records

Queen Anne's County property record for 132 Pine Tree Rd, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,936 sqft · built 2021
Lot Size	6.65 acres (289,674 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Dec 2021)
Tax Bill	$3,586 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Mar 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-019157`

Property Details

APN / Parcel Number

Primary APN	`07-019157`
Alternative APN	`019157`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,936 sqft Total Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	289,674 sqft (6.65 acres)
Garage Type	Mixed
Garage Area	200 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	019157
Street Address	132 PINE TREE RD
City	CHESTERTOWN
State	MD
Zip	21620-1932
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SE
Legal Description	LOT 3 - 6.658 ACS W/PINE TREE RD N/PONDTOWN
Legal Lot Number	3
Jurisdiction	QUEEN ANNE'S MD
Township / Civil Division	7, CRUMPTON
Census Block Group	1
Census Block	1023
Census Tract	810100

Owner

132 Pine Tree Rd is owned and occupied by two individuals who bought it in December 2021.

Source: Queen Anne's County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	132 PINE TREE RD, CHESTERTOWN, MD 21620-1932
Occupancy	Owner Occupied
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
Dec 8, 2021	Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC
Mar 30, 2021	Deed, Transfer · Line of Credit THE QUEENSTOWN BANK OF MARYLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2021 · Amount on File
Deed Sale	Dec 8, 2021 · Amount on File
Prior Sale	Mar 30, 2021 · Amount on File
Deed Book / Page	3915 / 235
Record Updated	Oct 29, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Dec 8, 2021
Property Address	132 PINE TREE RD, CHESTERTOWN, MD 21620-1932
Document Number	0039150235
Book / Page	3915 / 235
Map Reference	MB SB 34PG 39 A-C
Instrument Date	Dec 3, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	ATLANTIC TITLE GROUP, THE ATLANTIC TITLE GROUP

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
Relationship	Joint Tenants with Right of Survivorship
Address	132 PINE TREE RD, CHESTERTOWN, MD 21620-1932

Mortgage

Document Number	0003915241
Date	Dec 8, 2021
Instrument	3915/241

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Mar 30, 2021
Property Address	132 PINE TREE RD, CHESTERTOWN, MD 21620-1932
Document Number	0036590252
Book / Page	3659 / 252
Map Reference	MB SB 34 PG 39 A-C
Instrument Date	Feb 26, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	ATLANTIC TITLE GROUP, THE ATLANTIC TITLE GROUP

Transaction

Amount	Amount 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 SOMERSET RD, STEVENSVILLE, MD 21666-3527
Investor	Possibly a Property Investor

Mortgage

Document Number	0003659258
Date	Mar 30, 2021
Instrument	3659/258

Lender

Name	THE QUEENSTOWN BANK OF MARYLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 132 Pine Tree Rd was $3,586 with a homeowner's exemption.

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		$409,833	$468,100 Land $130,900 Building $337,200
2025	$3,586.00 Homeowner's exemption
2023	$3,319.00 Homeowner's exemption	$352,367	$380,700 Land $96,600 Building $284,100

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

Flood

FEMA maps place 132 Pine Tree Rd in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1999.

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 File median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	12 (1999–2011)
Claims Outside the SFHA	4 of 12
Most Recent Claim	Oct 2011 · rainfall accumulation
Claims by Event	Hurricane Isabel, Sep 2003 · 5 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 3 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 132 Pine Tree Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.02% 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 30 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
Verizon Fixed Wireless	300 / 20

May also be available: BridgeMAXX Suncoast Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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