232 River Rd, Chestertown, MD 21620 Property Records

Queen Anne's County property record for 232 River Rd, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,296 sqft · built 1964
Lot Size	0.91 acres (39,639 sqft)
Owner	Individual Name on File
Last Sale	$580,000 (Oct 2013)
Tax Bill	$7,415 (2025)
Deeds & Mortgages	Sep 2025 Transfer Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-006901`

Property Details

APN / Parcel Number

Primary APN	`02-006901`
Alternative APNs	`2006901` `006901`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,296 sqft Total Area
Basement Area	1,122 sqft
Finished Basement	1,122 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	39,639 sqft (0.91 acres)
Lot Dimensions	299 ft deep x 110 ft wide
View / Lot	Waterfront
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	80 sqft
Deck Area	378 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	006901
Street Address	232 RIVER RD
City	CHESTERTOWN
State	MD
Zip	21620-2722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC-20
Legal Description	LOT 10 SKIPPER LANDS
Legal Subdivision	SARAH SKIPPER LANDS
Legal Tract	E
Legal Lot Number	10
Jurisdiction	QUEEN ANNE'S MD
Township / Civil Division	2, CHURCH HILL
Census Block Group	1
Census Block	1025
Census Tract	810300

Owner

232 River Rd is owned and occupied by an individual who bought it in October 2013.

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

Owner of Record	Individual Name on File
Mailing Address	232 RIVER RD, CHESTERTOWN, MD 21620-2722
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 25, 2025	Intrafamily Transfer, Transfer
Dec 18, 2019	Deed of Trust, Mortgage PNC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2013 · Amount on File
Deed Sale	Oct 3, 2013 · Amount on File
Prior Sale	Feb 22, 2002
Deed Document Number	2013428811
Deed Book / Page	2228 / 727
Transfer Doc	0000000399
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Sep 25, 2025
Property Address	232 RIVER RD, CHESTERTOWN, MD 21620-2722
Document Number	0046440001
Book / Page	4644 / 1
Instrument Date	Feb 21, 2025
Transaction Type	Transfer
Record Updated	Oct 15, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	232 RIVER RD, CHESTERTOWN, MD 21620-2722

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	232 RIVER RD, CHESTERTOWN, MD 21620-2722
Document Number	0032420191
Instrument Date	Dec 18, 2019
Transaction Type	Mortgage
Record Updated	Jan 31, 2020
Title Company	NATIONAL LINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	232 RIVER RD CHESTERTOWN MD 216202722, CHESTERTOWN, MD 21620-2722

Mortgage

Document Number	0032420191
Date	Jan 13, 2020
Book Page	003242/000191

Lender

Name	PNC BK
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 12, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 232 River Rd was $7,415 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		$946,200 (+2.51%)	$992,600 (+7.54%) Land $564,200 Building $428,400
2025	$7,415.00 Homeowner's exemption	$923,000 Land $509,600 Building $413,400	$923,000 Land $509,600 Building $413,400
2023	$6,591.00 Homeowner's exemption	$749,467	$923,000 Land $509,600 Building $413,400

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

Flood

FEMA maps place 232 River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 42 policies
Nearby Flood Policies	42 in force
Nearby Flood Claims	30 (1979–2024)
Claims Outside the SFHA	10 of 30
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Sandy, Oct 2012 · 2 claims Hurricane Isabel, Sep 2003 · 20 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 232 River Rd is low, with 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 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
IQ Fiber Fiber	1,000 / 1,000
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: BridgeMAXX Suncoast Broadband, Xfinity.

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