1609 Calvert Rd, Chester, MD 21619 Property Records

Queen Anne's County property record for 1609 Calvert Rd, Chester, MD 21619

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 5,095 sqft · built 2004
Lot Size	0.696 acres (30,308 sqft)
Owner	2 Individual Names on File
Last Sale	$950,000 (Apr 2019)
Tax Bill	$9,796 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Feb 2021 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`04-117247`

Property Details

APN / Parcel Number

Primary APN	`04-117247`
Alternative APN	`117247`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,095 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	30,308 sqft (0.696 acres)
Garage Type	Built-in
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	308 sqft
Deck Area	639 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	117247
Street Address	1609 CALVERT RD
City	CHESTER
State	MD
Zip	21619-2863
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC-20
Legal Description	PARCEL 4 - 30,308 SF MARLING FARMS
Legal Subdivision	GREGORY S & SARAH N CALLANAN L
Jurisdiction	QUEEN ANNE'S MD
Township / Civil Division	4, KENT ISLAND
Census Block Group	1
Census Block	1011
Census Tract	811000

Owner

1609 Calvert Rd is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1609 CALVERT RD, CHESTER, MD 21619-2863
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
Aug 30, 2017	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA
Feb 5, 2021	Deed of Trust, Mortgage · Line of Credit APL FCU
Apr 4, 2019	Deed, Transfer · ARM MORGAN STANLEY PRIVATE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2019 · Amount on File
Deed Sale	Apr 4, 2019 · Amount on File
Prior Sale	Aug 11, 2014 · Amount on File
Deed Book / Page	3063 / 305
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	1609 CALVERT RD, CHESTER, MD 21619-2863
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027590427
Date	Aug 30, 2017
Book Page	2759/427
Instrument	2759-427

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.37%
Index	1-Year LIBOR
Max Rate	8.37%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	1609 CALVERT RD, CHESTER, MD 21619-2863
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035940214
Date	Feb 5, 2021
Book Page	3594/214

Lender

Name	APL FCU
Type	Credit Union
Address	LAUREL, MD 20723

Agreement

Type	Line of Credit
Amount	Amount on Record

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Apr 4, 2019
Property Address	1609 CALVERT RD, CHESTER, MD 21619-2863
Document Number	0030630305
Book / Page	3063 / 305
Map Reference	LB SM 33 FO 63
Instrument Date	Apr 3, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	BAY EAST TITLE

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1609 CALVERT RD, CHESTER, MD 21619-2863

Mortgage

Document Number	0003063313
Date	Apr 4, 2019
Instrument	3063/313

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.8%
Type Change Date	May 1, 2026
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.8%
Index	1-Year LIBOR
Max Rate	8.8%

Tax Assessment & Valuation

The 2025 property tax bill for 1609 Calvert Rd was $9,796 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		$1,264,500 Land $540,000 Building $724,500	$1,264,500 Land $540,000 Building $724,500
2025	$9,796.00 Homeowner's exemption
2023	$8,730.00 Homeowner's exemption	$926,800 Land $405,000 Building $521,800	$926,800 Land $405,000 Building $521,800

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

Flood

FEMA maps place 1609 Calvert Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 25, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 93 individual policies
Nearby Flood Policies	101 units insured incl. 8 condo units
Nearby Flood Claims	69 (1978–2024)
Claims Outside the SFHA	19 of 69
Most Recent Claim	Aug 2024 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 51 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 1609 Calvert Rd 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 98% of the US · lower than 96% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 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

Cell Coverage

5G (outdoors only) and 4G LTE

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