148 E Step Rd, Chestertown, MD 21620 Property Records

Queen Anne's County property record for 148 E Step Rd, Chestertown, MD 21620 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,400 sqft · built 2022
Lot Size	0.457 acres (19,907 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (Apr 2026)
Tax Bill	$2,502 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-005539`

Property Details

APN / Parcel Number

Primary APN	`07-005539`
Alternative APNs	`7005539` `005539`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,400 sqft Total Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	19,907 sqft (0.457 acres)
Lot Dimensions	150 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	005539
Street Address	148 E STEP RD
City	CHESTERTOWN
State	MD
Zip	21620-2413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18 (COVER LOTS 1 CHAR-NOR MANOR
Legal Subdivision	WIENEKE SUBDIVISION
Legal Block	D
Legal Lot Number	1,18
Jurisdiction	QUEEN ANNE'S MD
Township / Civil Division	7, CRUMPTON
Census Block Group	1
Census Block	1001
Census Tract	810100

Owner

Source: Queen Anne's County records · APN 07-005539

Assessment roll updated August 12, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	148 E STEP RD, CHESTERTOWN, MD 21620-2413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORPORATION
Oct 03, 2022	Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jun 16, 2022	Deed, Transfer ATLANTIC TITLE GROUP, THE ATLANTIC TITLE GROUP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 21, 2026 · Amount on Record
Deed Sale	Apr 21, 2026 · Amount on Record
Prior Sale	Oct 03, 2022 · Amount on Record
Deed Document Number	2026
Deed Book / Page	4767 / 278
Record Updated	Sep 20, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Apr 21, 2026
Property Address	148 E STEP RD, CHESTERTOWN, MD 21620-2413
Document Number	0047670278
Book / Page	4767 / 278
Instrument Date	Apr 17, 2026
Transaction Type	Transfer
Record Updated	May 06, 2026
Title Company	TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCE GUARANTY COMPAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$36,865.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 E STEP RD, CHESTERTOWN, MD 21620-2413

Mortgage

Document Number	4767000285,
Date	Apr 21, 2026
Book Page	4767/285

Lender

Name	BAY CAPITAL MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Oct 03, 2022
Property Address	148 E STEP RD, CHESTERTOWN, MD 21620-2413
Document Number	0041240073
Book / Page	4124 / 73
Map Reference	MB 3829 PG 67
Instrument Date	Sep 30, 2022
Transaction Type	Transfer
Record Updated	Sep 14, 2023
Title Company	ATLANTIC TITLE GROUP, THE ATLANTIC TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$712.50
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
Address	13625 OAKLAND RD, RIDGELY, MD 21660-1515

Mortgage

Document Number	0041240079
Date	Oct 03, 2022
Instrument	4124-0079

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2052

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Jun 16, 2022
Property Address	148 E STEP RD, CHESTERTOWN, MD 21620-2413
Document Number	0040630095
Book / Page	4063 / 95
Map Reference	MB 3829 PG 67
Instrument Date	Jun 15, 2022
Transaction Type	Transfer
Record Updated	Sep 14, 2023
Title Company	ATLANTIC TITLE GROUP, THE ATLANTIC TITLE GROUP

Transaction

Amount	Amount Recorded
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	PO BOX 490, QUEENSTOWN, MD 21658-0490

Tax Assessment & Valuation

Source: Queen Anne's County records · Assessment roll updated August 12, 2025 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$278,867 (+7.59%)	$318,200 (+22.76%) Land $113,700 Building $204,500
2025	$2,502.00 (+20.35%)	$259,200 (+17.43%) Land $58,700 Building $200,500	$259,200 (-) Land $58,700 Building $200,500
2023	$2,079.00	$220,733	$259,200 Land $58,700 Building $200,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Queen Anne's County (24035C), updated October 25, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240358101001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 15 individual NFIP policies nearby
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 Storm	Hurricane Isabel, Sep 2003 · 5 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 3 claims

Wildfire

Wildfire Risk	Low above 5% of the US · above 11% of Maryland
Wildfire Likelihood	About 1 in 6,250 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 89 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Talkie Communications	Fiber	10,000 / 10,000

May also be available at this address: ALTIUS Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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