Queen Anne's County property record for 405 River Rd, Chestertown, MD 21620
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,467 sqft · built 2005 |
| Lot Size | 1.45 acres (63,162 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $295,000 (Jan 2019) |
| Tax Bill | $4,153 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Jan 2019 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 02-007886 |
| Primary APN | 02-007886 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,467 sqft Total Area |
| Utility Area | 1,113 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 63,162 sqft (1.45 acres) |
| Lot Dimensions | 250 ft deep x 258 ft wide |
| Garage Type | Detached |
| Garage Area | 900 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 530 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 007886 |
|---|---|
| Street Address | 405 RIVER RD |
| City | CHESTERTOWN |
| State | MD |
| Zip | 21620-2727 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NC-20 |
| Legal Description | 1.45 ACRES PLAT 2 TRACT 2 E/RIVER ROAD CHESTERTOWN |
| Legal Tract | 2 |
| Jurisdiction | QUEEN ANNE'S MD |
| Township / Civil Division | 2, CHURCH HILL |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 810300 |
405 River Rd is owned and occupied by two individuals who bought it in January 2019.
Source: Queen Anne's County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 405 RIVER RD, CHESTERTOWN, MD 21620-2727 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CHESAPEAKE BANK & TRUST COMPANY |
| Jan 23, 2019 | Deed, Transfer · Conventional Mortgage CHESAPEAKE BANK & TRUST COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 23, 2019 · Amount on File |
| Deed Sale | Jan 23, 2019 · Amount on File |
| Prior Sale | Jan 13, 2005 |
| Deed Book / Page | 3031 / 72 |
| Transfer Doc | 0000050078 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | QUEEN ANNE'S MD |
| Property Address | 405 RIVER RD, CHESTERTOWN, MD 21620-2727 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0033160285 |
|---|---|
| Date | Apr 27, 2020 |
| Book Page | 3316/285 |
| Name | CHESAPEAKE BANK & TRUST COMPANY |
|---|---|
| Type | Bank |
| Address | CHESTERTOWN, MD 21620 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | QUEEN ANNE'S MD |
| Recording Date | Jan 23, 2019 |
| Property Address | 405 RIVER RD, CHESTERTOWN, MD 21620-2727 |
| Document Number | 0030310072 |
| Book / Page | 3031 / 072 |
| Instrument Date | Jan 22, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 405 RIVER RD, CHESTERTOWN, MD 21620-2727 |
| Document Number | 0000303178 |
|---|---|
| Date | Jan 23, 2019 |
| Instrument | 3031/78 |
| Name | CHESAPEAKE BANK & TRUST COMPANY |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2049 |
The 2025 property tax bill for 405 River Rd was $4,153 with a homeowner's exemption.
Source: Queen Anne's County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Queen Anne's County |
| Unified School District | Queen Annes County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $468,767 | $503,900 Land $134,500 Building $369,400 | |
| 2025 | $4,153.00 Homeowner's exemption | ||
| 2023 | $3,701.00 Homeowner's exemption | $399,333 | $451,200 Land $94,500 Building $356,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective October 25, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 42 policies |
| Nearby Flood Policies | 42 in force |
| Nearby Flood Claims | 30 (1979–2024) |
| Claims Outside the SFHA | 10 of 30 |
| Most Recent Claim | Jan 2024 · river or lake flooding |
| Claims by Event |
|
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 risk around 405 River Rd is low, with a 0.01% annual chance of 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 89% 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.
Source: FCC Broadband Data Collection, based on 28 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 |
| Starlink Satellite | 280 / 30 |
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