221 Birch Run Rd, Chestertown, MD 21620 Property Records

Kent County property record for 221 Birch Run Rd, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,240 sqft · built 1980
Lot Size	0.444 acres (19,323 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Dec 2018)
Tax Bill	$5,745 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`04-023021`

Property Details

APN / Parcel Number

Primary APN	`04-023021`
Alternative APNs	`4023021` `023021`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,240 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	19,323 sqft (0.444 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	567 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	192 sqft
Deck Area	402 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	023021
Street Address	221 BIRCH RUN RD
City	CHESTERTOWN
State	MD
Zip	21620-1639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 17 221 BIRCH RUN RD MILE TREE VILLAGE
Legal Subdivision	BIRCH RUN
Legal Lot Number	17
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	2
Census Block	2001
Census Tract	950300

Owner

Source: Kent County records, as of August 18, 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	12914 RUXTON RD, SILVER SPRING, MD 20904-5278
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 31, 2018	Deed, Transfer · ARM PENTAGON FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2018 · Amount on Record
Deed Sale	Dec 31, 2018 · Amount on Record
Prior Sale	Dec 20, 2001
Deed Book / Page	981 / 141
Transfer Doc	0000000871
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	221 BIRCH RUN RD, CHESTERTOWN, MD 21620-1639
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010810299
Date	Aug 27, 2020
Book Page	1081/299

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Dec 31, 2018
Property Address	221 BIRCH RUN RD, CHESTERTOWN, MD 21620-1639
Document Number	0009810141
Book / Page	0981 / 141
Map Reference	MB EHP 1 FO 196
Instrument Date	Jul 25, 1990
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
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
Address	00000

Mortgage

Document Number	0000981156
Date	Dec 31, 2018
Instrument	0981/156

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jan 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.25%
Index	1-Year LIBOR
Max Rate	9.25%

Tax Assessment & Valuation

Source: Kent County assessment roll, as of August 5, 2025

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		$369,033 (+7.42%)	$373,900 (+1.99%) Land $138,300 Building $235,600
2025	$5,745.00 (+11.14%)
2023	$5,169.00	$343,533	$366,600 Land $138,300 Building $228,300

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

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
Breezeline Cable	250 / 20
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20

May also be available: Verizon.

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