23985 Walnut Point Rd, Chestertown, MD 21620 Property Records

Kent County property record for 23985 Walnut Point Rd, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,319 sqft · built 2019
Lot Size	20.1 acres (878,474 sqft)
Owner	Trust Name on Record
Last Sale	$175,000 (Sep 1981)
Tax Bill	$21,323 (2026)
Deeds & Mortgages	Oct 2019 Mortgage Feb 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`07-006438`

Property Details

APN / Parcel Number

Primary APN	`07-006438`
Alternative APNs	`7006438` `006438`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,319 sqft Total Area
Basement Area	960 sqft
Finished Basement	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Wood Shingle
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	878,474 sqft (20.1 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	400 sqft

Exterior Amenities

Pool Area	756 sqft
Porch	Slab
Porch Area	499 sqft
Deck Area	192 sqft
Shed	1 Shed
Shed Area	2,400 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	006438
Street Address	23985 WALNUT POINT RD
City	CHESTERTOWN
State	MD
Zip	21620
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RCD
Legal Description	LOT 20.167 AC 23985 WALNUT POINT ROAD S OF CHESTERTOWN
Jurisdiction	KENT MD
Township / Civil Division	7, POMONA
Census Block Group	2
Census Block	2055
Census Tract	950400

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	Trust Name on Record
Mailing Address	PO BOX 214, CHESTERTOWN, MD 21620-0214
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING AND TRUST CO
Feb 16, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 1981 · Amount on Record
Deed Sale	Sep 30, 1981 · Amount on Record
Deed Book / Page	127 / 324
Last Transfer Date	Jan 25, 2021
Transfer Doc	0011270146
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	23985 WALNUT POINT RD, CHESTERTOWN, MD 21620
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010220172
Date	Oct 1, 2019
Book Page	1022/172

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENT MD
Recording Date	Feb 16, 2021
Property Address	23985 WALNUT POINT RD, CHESTERTOWN, MD 21620
Document Number	0011270146
Book / Page	1127 / 146
Instrument Date	Jan 25, 2021
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Revocable Trust
Address	PO BOX 214, CHESTERTOWN, MD 21620-0214

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	$21,323.00 (+0.95%) Homeowner's exemption	$1,869,800 (+0.43%)	$1,885,800 (+1.29%) Land $673,100 Building $1,212,700
2025	$21,123.00 (+17.28%) Homeowner's exemption	$1,861,800 (+10.7%) Land $673,100 Building $1,188,700	$1,861,800 (-) Land $673,100 Building $1,188,700
2023	$18,011.00 Homeowner's exemption	$1,681,800	$1,861,800 Land $673,100 Building $1,188,700

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 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 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	0.02% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
Starlink Satellite	280 / 30
BridgeMAXX Suncoast Broadband Fixed Wireless	10 / 1

Cell Coverage

5G and 4G LTE (outdoors only)

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