21640 Lovers Ln, Rock Hall, MD 21661 Property Records

Kent County property record for 21640 Lovers Ln, Rock Hall, MD 21661

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,408 sqft · built 2023
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$24,100 (Jun 2022)
Tax Bill	$3,018 (2026)
Deeds & Mortgages	Apr 2023 Construction Loan Jun 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-006937`

Property Details

APN / Parcel Number

Primary APN	`05-006937`
Alternative APNs	`5006937` `006937`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,408 sqft Total Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	006937
Street Address	21640 LOVERS LN
City	ROCK HALL
State	MD
Zip	21661-1217
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 0.50 AC 21640 LOVERS LANE NE OF ROCK HALL
Legal Subdivision	CHARLES L WHEAT LAND
Jurisdiction	KENT MD
Township / Civil Division	5, EDESVILLE
Census Block Group	2
Census Block	2014
Census Tract	950500

Owner

Source: Kent County records, as of August 27, 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	21640 LOVERS LN, ROCK HALL, MD 21661-1217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2023	Deed of Trust, Mortgage · Construction Mortgage FULTON BANK NA
Jun 13, 2022	Deed, Transfer NOT AVAILABLE, RESULTS TITLE & ESCROW LLC
May 29, 2018	Quit Claim Deed, Transfer LAKESIDE TITLE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2022 · Amount on Record
Deed Sale	Jun 13, 2022 · Amount on Record
Prior Sale	Nov 22, 2013 · Amount on Record
Deed Book / Page	1256 / 257
Prior Transfer Date	Apr 20, 2018
Prior Transfer Doc	0009470241
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	21640 LOVERS LN, ROCK HALL, MD 21661-1217
Transaction Type	Mortgage
Record Updated	May 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21640 LOVERS LN, ROCK HALL, MD 21661-1217

Mortgage

Document Number	0013060039
Date	Apr 27, 2023
Book Page	1306/39

Lender

Name	FULTON BANK NA
Type	Bank
Address	LANCASTER, PA 17602

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.5%
Index	Other
Margin	3
Max Rate	10.5%

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Jun 13, 2022
Property Address	21640 LOVERS LN, ROCK HALL, MD 21661-1217
Document Number	0012560257
Book / Page	1256 / 257
Instrument Date	Mar 31, 2022
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	NOT AVAILABLE, RESULTS TITLE & ESCROW LLC

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
Relationship	Tenants by the Entirety
Address	411 WALNUT ST # 7146, 7146, GREEN COVE SPRINGS, FL 32043-3443

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENT MD
Recording Date	May 29, 2018
Property Address	21640 LOVERS LN, ROCK HALL, MD 21661-1217
Document Number	0009470241
Book / Page	000947 / 000241
Instrument Date	Apr 20, 2018
Transaction Type	Transfer
Record Updated	Jun 11, 2018
Title Company	LAKESIDE TITLE COMPANY INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	237 CONESTOGA RD WAYNE PA 190873916, WAYNE, PA 19087-3916

Tax Assessment & Valuation

Source: Kent County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Kent County
Unified School District	Kent County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,018.00 (+0.4%) Homeowner's exemption	$266,167 (+0.39%)	$267,200 (-) Land $64,100 Building $203,100
2025	$3,006.00 (+6,162.5%) Homeowner's exemption	$265,133 (+6,065.88%)	$267,200 (+6,113.95%) Land $64,100 Building $203,100
2023	$48.00	$4,300 Land $4,300	$4,300 Land $4,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Record median of 210 individual policies
Nearby Flood Policies	239 units insured incl. 29 condo units
Nearby Flood Claims	32 (1979–2024)
Claims Outside the SFHA	3 of 32
Most Recent Claim	Jan 2024 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 19 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 94% of the US · lower than 87% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EDESVILLE serves 296 people · EPA ID MD0140009
Water Source	Purchased groundwater from TOWN OF ROCK HALL
Last State Inspection	Mar 2026

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000

May also be available: Breezeline.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Lovers Ln

Nearby Streets

All Rock Hall, MD Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures