3 Reed Ct, Chestertown, MD 21620 Property Records

Kent County property record for 3 Reed Ct, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,957 sqft · built 1988
Lot Size	0.316 acres (13,747 sqft)
Owner	2 Individual Names on Record
Last Sale	$415,000 (Jul 2022)
Tax Bill	$6,456 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-022742`

Property Details

APN / Parcel Number

Primary APN	`04-022742`
Alternative APNs	`4022742` `022742`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,957 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	13,747 sqft (0.316 acres)
Garage Type	Attached
Garage Area	313 sqft
Parking Spaces	1 Parking Space
Deck Area	207 sqft
Patio Area	36 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	022742
Street Address	3 REED CT
City	CHESTERTOWN
State	MD
Zip	21620-1667
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 3-13,747 SQ. FT. 3 REED CT CHESTERTOWN
Legal Subdivision	REED COURT
Legal Lot Number	3
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	3 REED CT, CHESTERTOWN, MD 21620-1667
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2022	Deed, Transfer · Conventional Mortgage ROSEDALE FSLA
May 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2022 · Amount on Record
Deed Sale	Jul 15, 2022 · Amount on Record
Prior Sale	Jun 10, 2011 · Amount on Record
Deed Book / Page	1262 / 196
Record Updated	Sep 20, 2026

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Jul 15, 2022
Property Address	3 REED CT, CHESTERTOWN, MD 21620-1667
Document Number	0012620196
Book / Page	1262 / 196
Map Reference	MB EHP 2 FO 210
Instrument Date	Jul 12, 2022
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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3 REED CT, CHESTERTOWN, MD 21620-1667

Mortgage

Document Number	0001262202
Date	Jul 15, 2022
Instrument	1262-202

Lender

Name	ROSEDALE FSLA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	3 REED CT, CHESTERTOWN, MD 21620-1667
Document Number	0009480075
Instrument Date	May 23, 2018
Transaction Type	Mortgage
Record Updated	Jun 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 REED CT CHESTERTOWN MD 216201667, CHESTERTOWN, MD 21620-1667

Mortgage

Document Number	0009480075
Date	May 31, 2018
Book Page	000948/000075

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2048

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		$445,200 (+46.45%) Land $90,900 Building $354,300	$445,200 (+12.2%) Land $90,900 Building $354,300
2025	$6,456.00 (+60.96%) Homeowner's exemption
2023	$4,011.00	$304,000	$396,800 Land $90,900 Building $305,900

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 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 97% of the US · lower than 94% 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.

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 272 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: IQ Fiber.

Nearby Properties on Reed Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures