401 E Campus Ave, Chestertown, MD 21620 Property Records

Kent County property record for 401 E Campus Ave, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,467 sqft · built 1978
Lot Size	0.603 acres (26,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Jan 2018)
Tax Bill	$4,554 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2026 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-015703`

Property Details

APN / Parcel Number

Primary APN	`04-015703`
Alternative APNs	`4015703` `015703`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	2,467 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	26,250 sqft (0.603 acres)
Garage Type	Attached
Garage Area	910 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	800 sqft
Porch	Slab
Porch Area	492 sqft
Shed	1 Shed
Shed Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	015703
Street Address	401 E CAMPUS AVE
City	CHESTERTOWN
State	MD
Zip	21620-1607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 5 & 6 SEC E 401 CAMPUS AVE BYFORD DEVELOPMENT
Legal Subdivision	BYFORD DEVELOPMENT INC
Legal Lot Number	5,6
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	2
Census Block	2009
Census Tract	950300

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	2 Individual Names on Record
Mailing Address	401 E CAMPUS AVE, CHESTERTOWN, MD 21620-1607
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORPORATION
Mar 17, 2026	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage AMERISAVE MORTGAGE CORP
Jan 11, 2018	Deed, Transfer · Conventional Mortgage CAPITAL BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2018 · Amount on Record
Deed Sale	Jan 11, 2018 · Amount on Record
Prior Sale	Jun 16, 2011
Deed Document Number	2018930-299
Deed Book / Page	930 / 299
Transfer Doc	0006840492
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Recording Date	Apr 7, 2026
Property Address	401 E CAMPUS AVE, CHESTERTOWN, MD 21620-1607
Document Number	1491000185
Book / Page	1491 / 185
Instrument Date	Mar 31, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	220 TITLE, 20/20 TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	401 E CAMPUS AVE, CHESTERTOWN, MD 21620-1607

Mortgage

Document Number	1491000185,
Date	Apr 7, 2026
Book Page	1491/185

Lender

Name	AMERISAVE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENT MD
Recording Date	Mar 17, 2026
Property Address	401 E CAMPUS AVE, CHESTERTOWN, MD 21620-1607
Document Number	0014860277
Book / Page	1486 / 277
Map Reference	MB WHG 1 FO 86
Instrument Date	Nov 9, 2025
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	2020 TITLE LLC

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	Joint Tenants with Right of Survivorship
Address	401 E CAMPUS AVE, CHESTERTOWN, MD 21620-1607

Mortgage

Document Number	0001486282
Date	Mar 17, 2026
Instrument	1486/282

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	237 Months
Due	Dec 1, 2045

January 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Jan 11, 2018
Property Address	401 E CAMPUS AVE, CHESTERTOWN, MD 21620-1607
Document Number	0009300299
Book / Page	0930 / 299
Map Reference	MB WHG1 FO86
Instrument Date	Dec 19, 2017
Instrument	0930-299
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	402 E CAMPUS AVE, CHESTERTOWN, MD 21620-1608

Mortgage

Document Number	930305
Date	Jan 11, 2018
Instrument	0930-305

Lender

Name	CAPITAL BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Kent County assessment roll, as of August 27, 2026

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	$4,554.00 (+4.67%) Homeowner's exemption	$315,767 (+0.79%)	$320,700 (+2.36%) Land $94,000 Building $226,700
2025	$4,351.00 (+17.66%) Homeowner's exemption	$313,300 (+19.23%) Land $94,000 Building $219,300	$313,300 (-) Land $94,000 Building $219,300
2023	$3,698.00 Homeowner's exemption	$262,767	$313,300 Land $94,000 Building $219,300

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
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 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 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.

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.

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