2904 Cox Neck Rd E, Chester, MD 21619 Property Records

Queen Anne's County property record for 2904 Cox Neck Rd E, Chester, MD 21619

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,713 sqft · built 1996
Lot Size	1.07 acres (46,609 sqft)
Owner	2 Individual Names on Record
Last Sale	$925,000 (Dec 2023)
Tax Bill	$8,015 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-094522`

Property Details

APN / Parcel Number

Primary APN	`04-094522`
Alternative APNs	`4094522` `094522`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,713 sqft Total Area
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	46,609 sqft (1.07 acres)
View / Lot	Waterfront
Garage Type	Built-in
Garage Area	1,120 sqft
Parking Spaces	4 Parking Spaces
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	094522
Street Address	2904 COX NECK RD E
City	CHESTER
State	MD
Zip	21619-2350
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC-1
Legal Description	LOT 51- 1.070 ACRES SECT 2 SOUTHWIND SUB-DIV
Legal Subdivision	SOUTHWIND SUB
Legal Lot Number	51
Jurisdiction	QUEEN ANNE'S MD
Township / Civil Division	4, KENT ISLAND
Census Block Group	2
Census Block	2026
Census Tract	811000

Owner

Source: Queen Anne's County records, as of September 21, 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	1121 HOLLOW RD, COLLEGEVILLE, PA 19426-1521
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2023	Deed, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORP
Aug 12, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jan 6, 2022	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 17, 2017	Quit Claim Deed, Transfer NEWLYN TITLE ASSURANCE COMPANY INC, NEWLYN TITLE ASSURANCE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2023 · Amount on Record
Deed Sale	Dec 27, 2023 · Amount on Record
Prior Sale	Jan 6, 2022 · Amount on Record
Deed Book / Page	4322 / 292
Prior Transfer Date	Feb 6, 2017
Prior Transfer Doc	0026450274
Record Updated	Oct 29, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Dec 27, 2023
Property Address	2904 COX NECK RD E, CHESTER, MD 21619-2350
Document Number	0043220292
Book / Page	4322 / 292
Map Reference	MB MWM 8 FO 2-3
Instrument Date	Dec 15, 2023
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,625.00
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	1121 HOLLOW RD, COLLEGEVILLE, PA 19426-1521

Mortgage

Document Number	0043220297
Date	Dec 27, 2023
Instrument	4322-0297

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Mortgage

Document Number	0043250253
Date	Jan 2, 2024
Book Page	4325/253

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	2904 COX NECK RD E, CHESTER, MD 21619-2350
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034130229
Date	Aug 12, 2020
Book Page	3413/229

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Jan 6, 2022
Property Address	2904 COX NECK RD E, CHESTER, MD 21619-2350
Document Number	0039400192
Book / Page	3940 / 192
Map Reference	MB MWM 8 OF 2
Instrument Date	Dec 21, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	QUIET TITLE LLC

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2904 COX NECK RD E, CHESTER, MD 21619-2350

Mortgage

Document Number	0003940198
Date	Jan 6, 2022
Instrument	3940/198

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Feb 17, 2017
Property Address	2904 COX NECK RD E, CHESTER, MD 21619-2350
Document Number	0026450274
Book / Page	002645 / 000274
Instrument Date	Feb 6, 2017
Transaction Type	Transfer
Record Updated	Jul 26, 2017
Title Company	NEWLYN TITLE ASSURANCE COMPANY INC, NEWLYN TITLE ASSURANCE CO INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2904 COX NECK RD E CHESTER MD 216192350, CHESTER, MD 21619-2350

Tax Assessment & Valuation

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		$916,500 (+8.53%) Land $200,700 Building $715,800	$916,500 (-) Land $200,700 Building $715,800
2025	$8,015.00 (+21.48%)	$844,500 (+20.56%)	$916,500 (+30.84%) Land $200,700 Building $715,800
2023	$6,598.00	$700,500 Land $200,700 Building $499,800	$700,500 Land $200,700 Building $499,800

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 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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 101 policies
Nearby Flood Policies	101 in force
Nearby Flood Claims	94 (1979–2024)
Claims Outside the SFHA	13 of 94
Most Recent Claim	Aug 2024 · tidal / storm surge
Claims by Event	Hurricane Isabel, Sep 2003 · 60 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 4 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	Under 0.01% 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
Breezeline Cable	1,000 / 50

May also be available: BridgeMAXX Suncoast Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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