23237 Cedar Point Rd, Chestertown, MD 21620 Property Records

Kent County property record for 23237 Cedar Point Rd, Chestertown, MD 21620

Property Summary

Property Type	Rural Home
Details	2 ba · 2,290 sqft · built 1900
Lot Size	15.7 acres (685,199 sqft)
Owner	Individual Name on Record
Last Sale	$500,000 (Dec 2019)
Tax Bill	$2,820 (2026)
Deeds & Mortgages	Apr 2022 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-002998`

Property Details

APN / Parcel Number

Primary APN	`07-002998`
Alternative APNs	`7002998` `002998`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,290 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Wood Shingle
Roof Material	Wood Shingle
Lot Area	685,199 sqft (15.7 acres)

Exterior Amenities

Porch	Slab
Porch Area	401 sqft
Deck Area	161 sqft
Patio Area	96 sqft
Shed	1 Shed
Shed Area	1,250 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	002998
Street Address	23237 CEDAR POINT RD
City	CHESTERTOWN
State	MD
Zip	21620-5334
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RR
Legal Description	LOT 15.73 AC. 23237 CEDAR POINT ROAD SW OF CHESTERTOWN
Jurisdiction	KENT MD
Township / Civil Division	7, POMONA
Census Block Group	2
Census Block	2014
Census Tract	950400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	23237 CEDAR POINT RD, CHESTERTOWN, MD 21620-5334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2022	Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK & TRUST COMPANY
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
Dec 31, 2019	Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2019 · Amount on Record
Deed Sale	Dec 31, 2019 · Amount on Record
Prior Sale	Oct 30, 2014 · Amount on Record
Deed Book / Page	1037 / 277
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	23237 CEDAR POINT RD, CHESTERTOWN, MD 21620-5334
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23237 CEDAR POINT RD, CHESTERTOWN, MD 21620-5334

Mortgage

Document Number	0012440034
Date	Apr 12, 2022
Book Page	1244/34

Lender

Name	CHESAPEAKE BANK & TRUST COMPANY
Type	Bank
Address	CHESTERTOWN, MD 21620

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	23237 CEDAR POINT RD, CHESTERTOWN, MD 21620-5334
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011070063
Date	Nov 24, 2020
Book Page	1107/63

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

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

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Dec 31, 2019
Property Address	23237 CEDAR POINT RD, CHESTERTOWN, MD 21620-5334
Document Number	0010370277
Book / Page	1037 / 277
Instrument Date	Dec 20, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23237 CEDAR POINT RD, CHESTERTOWN, MD 21620-5334

Mortgage

Document Number	0001037285
Date	Dec 31, 2019
Instrument	1037/285

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

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

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	$2,820.00 (+0.53%)	$243,467 (+8.9%)	$246,200 (+1.69%) Land $102,300 Building $143,900
2025	$2,805.00 (+13.65%)
2023	$2,468.00	$223,567	$242,100 Land $102,300 Building $139,800

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 50 individual policies
Nearby Flood Policies	80 units insured incl. 30 condo units
Nearby Flood Claims	4 (2003–2011)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Isabel, Sep 2003 · 3 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 80% of the US · above 41% 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 12 locations within half a mile, as of December 31, 2025

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

Cell Coverage

No cell data coverage reported

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