409 Merganser Ct, Chester, MD 21619 Property Records

Queen Anne's County property record for 409 Merganser Ct, Chester, MD 21619

Property Summary

Property Type	Condominium
Details	2 ba · 1,069 sqft · built 1999
Lot Size	0.018 acres (804 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Nov 2023)
Tax Bill	$2,119 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-112237`

Property Details

APN / Parcel Number

Primary APN	`04-112237`
Alternative APNs	`4112237` `112237`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,069 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Lot Area	804 sqft (0.018 acres)
Deck Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	112237
Street Address	409 MERGANSER CT
City	CHESTER
State	MD
Zip	21619-2285
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	UR
Legal Description	BLDG 31 UNIT E PHASE 36 BAYSIDE CONDO
Legal Subdivision	BAYSIDE CONDO PH 36
Legal Phase	36
Legal Block	31
Legal Lot Number	E
Jurisdiction	QUEEN ANNE'S MD
Township / Civil Division	4, KENT ISLAND
Census Block Group	3
Census Block	3004
Census Tract	810800

Owner

409 Merganser Ct, a condominium, is owned by two individuals who bought it in November 2023.

Source: Queen Anne's County records, as of September 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	409 MERGANSER CT, E, CHESTER, MD 21619-2285
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2025	Deed of Trust, Mortgage · FHA Mortgage FIRST HOME MORTGAGE CORP
Nov 13, 2023	Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP
May 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2023 · Amount on File
Deed Sale	Nov 13, 2023 · Amount on File
Prior Sale	Mar 27, 2007 · Amount on File
Deed Book / Page	4305 / 57
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	409 MERGANSER CT, CHESTER, MD 21619-2285
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 MERGANSER CT E, CHESTER, MD 21619-2285

Mortgage

Document Number	0046480016
Date	Oct 2, 2025
Book Page	4648/16

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	MIDDLE RIVER, MD 21220

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Nov 13, 2023
Property Address	409 MERGANSER CT, CHESTER, MD 21619-2285
Document Number	0043050057
Book / Page	4305 / 57
Map Reference	LB SM 27 FO 8A-8D
Instrument Date	Oct 28, 2023
Transaction Type	Transfer
Record Updated	Nov 23, 2023
Title Company	ATG TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$712.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 MERGANSER CT # E, E, CHESTER, MD 21619-2285

Mortgage

Document Number	0043050064
Date	Nov 13, 2023
Instrument	4305-0064

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	409 MERGANSER CT, CHESTER, MD 21619-2285
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037250051
Date	May 25, 2021
Book Page	3725/51

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 409 Merganser Ct was $2,119.

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		$235,000 Land $95,000 Building $140,000	$235,000 Land $95,000 Building $140,000
2025	$2,119.00
2023	$1,931.00 Homeowner's exemption	$205,000 Land $90,000 Building $115,000	$205,000 Land $90,000 Building $115,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 409 Merganser Ct in Zone X, an area of minimal flood risk, though there have been 67 flood claims nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 24 individual policies
Nearby Flood Policies	125 units insured incl. 101 condo units
Nearby Flood Claims	67 (1979–2020)
Claims Outside the SFHA	19 of 67
Most Recent Claim	Aug 2020 · rainfall accumulation
Claims by Event	Hurricane Isabel, Sep 2003 · 21 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 13 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

Wildfire risk around 409 Merganser Ct is low, with less than 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 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	STEVENSVILLE serves 9,155 people · EPA ID MD0170019
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 111 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, Verizon.

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