202 Cedar St, Chestertown, MD 21620 Property Records

Kent County property record for 202 Cedar St, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,963 sqft · built 1960
Lot Size	0.87 acres (37,908 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Jul 2019)
Tax Bill	$5,844 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Mar 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`04-014642`

Property Details

APN / Parcel Number

Primary APN	`04-014642`
Alternative APNs	`4014642` `014642`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,963 sqft Total Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Conventional
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	37,908 sqft (0.87 acres)
Garage Type	Attached
Garage Area	475 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	494 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	014642
Street Address	202 CEDAR ST
City	CHESTERTOWN
State	MD
Zip	21620-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	L 13 & N1/2-12 PL-2 202 CEDAR ST COLLEGE HEIGHTS
Legal Subdivision	PLAT 2 OF COLLEGE HEIGHTS
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	2
Census Block	2019
Census Tract	950300

Owner

202 Cedar St is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	202 CEDAR ST, CHESTERTOWN, MD 21620-1404
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
Sep 26, 2023	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS AND TRADERS TRUST COMPANY
Mar 30, 2020	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO
Dec 4, 2020	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO
Nov 22, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jul 24, 2019	Correction Deed ATTORNEY ONLY
Jul 24, 2019	Deed, Transfer · FHA Mortgage SANDY SPRING BANK
Apr 3, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2019 · Amount on File
Deed Sale	Jul 24, 2019 · Amount on File
Prior Sale	Jan 10, 1992 · Amount on File
Deed Book / Page	1009 / 284
Prior Transfer Date	Jul 19, 2019
Prior Transfer Doc	0010090280
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	202 CEDAR ST, CHESTERTOWN, MD 21620-1404
Transaction Type	Mortgage
Record Updated	Oct 13, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013320185
Date	Sep 26, 2023
Book Page	1332/185

Lender

Name	MANUFACTURERS AND TRADERS TRUST COMPANY
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	202 CEDAR ST, CHESTERTOWN, MD 21620-1404
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010500276
Date	Mar 30, 2020
Book Page	1050/276

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	202 CEDAR ST, CHESTERTOWN, MD 21620-1404
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	ORCHARD STREET STLMTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011100082
Date	Dec 4, 2020
Book Page	1110/82

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	202 CEDAR ST, CHESTERTOWN, MD 21620-1404
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012100211
Date	Nov 22, 2021
Book Page	1210/211

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

July 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	KENT MD
Recording Date	Jul 24, 2019
Property Address	202 CEDAR ST, CHESTERTOWN, MD 21620-1404
Document Number	0010090280
Book / Page	001009 / 000280
Instrument Date	Jul 19, 2019
Record Updated	Jul 31, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12520 5TH ISLE HUDSON FL 346671932, HUDSON, FL 34667-1932

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Jul 24, 2019
Property Address	202 CEDAR ST, CHESTERTOWN, MD 21620-1404
Document Number	0010090284
Book / Page	1009 / 284
Map Reference	LB WHG 37 FO 42A
Instrument Date	Jul 19, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022

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	Tenants by the Entirety
Address	202 CEDAR ST, CHESTERTOWN, MD 21620-1404

Mortgage

Document Number	0001009290
Date	Jul 24, 2019
Instrument	1009/290

Lender

Name	SANDY SPRING BANK
Type	Bank

Agreement

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

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENT MD
Recording Date	Apr 3, 2018
Property Address	202 CEDAR ST, CHESTERTOWN, MD 21620-1404
Document Number	0009380125
Book / Page	000938 / 000125
Instrument Date	Mar 6, 2018
Transaction Type	Transfer
Record Updated	Apr 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 CEDAR ST CHESTERTOWN MD 216201404, CHESTERTOWN, MD 21620-1404

Tax Assessment & Valuation

The 2026 property tax bill for 202 Cedar St was $5,844, up 0.7% 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	$5,844.00 (+0.69%)	$372,900 (+0.67%)	$377,900 (+2.02%) Land $96,900 Building $281,000
2025	$5,804.00	$370,400 Land $96,900 Building $273,500	$370,400 Land $96,900 Building $273,500
2023	$4,925.00	$334,333	$370,400 Land $96,900 Building $273,500

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

Flood

FEMA maps place 202 Cedar St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1983.

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
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 202 Cedar St 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 96% of the US · lower than 92% 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.

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 272 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
T-Mobile Fixed Wireless	100 / 20
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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