411 Central Dr, Chestertown, MD 21620 Property Records

Queen Anne's County property record for 411 Central Dr, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,344 sqft · built 1977
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Apr 2006)
Tax Bill	$2,006 (2025)
Deeds & Mortgages	Sep 2023 Transfer Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-007827`

Property Details

APN / Parcel Number

Primary APN	`02-007827`
Alternative APNs	`2007827` `007827`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Total Area
1st Floor Area	24 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	24 sqft
Deck Area	276 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	007827
Street Address	411 CENTRAL DR
City	CHESTERTOWN
State	MD
Zip	21620-2845
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC-20
Legal Description	LOTS 233-234 CHESTER HARBOR
Legal Subdivision	CHESTER HARBOR
Legal Block	7
Legal Lot Number	233,234
Jurisdiction	QUEEN ANNE'S MD
Township / Civil Division	2, CHURCH HILL
Census Block Group	1
Census Block	1022
Census Tract	810300

Owner

411 Central Dr is owned and occupied by an individual who acquired it in July 2023.

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

Owner of Record	Individual Name on File
Mailing Address	411 CENTRAL DR, CHESTERTOWN, MD 21620-2845
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2023	Intrafamily Transfer, Transfer
Oct 16, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2006 · Amount on File
Deed Sale	Apr 20, 2006 · Amount on File
Prior Sale	Nov 6, 2001 · Amount on File
Deed Document Number	200660657
Deed Book / Page	1542 / 5
Last Transfer Date	Jul 19, 2023
Transfer Doc	0042800048
Record Updated	Oct 29, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Sep 21, 2023
Property Address	411 CENTRAL DR, CHESTERTOWN, MD 21620-2845
Document Number	0042800048
Book / Page	4280 / 48
Map Reference	LB 49 FO 39
Instrument Date	Jul 19, 2023
Transaction Type	Transfer
Record Updated	Oct 5, 2023

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
Address	411 CENTRAL DR, CHESTERTOWN, MD 21620-2845

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Oct 16, 2020
Property Address	411 CENTRAL DR, CHESTERTOWN, MD 21620-2845
Document Number	0034790107
Book / Page	3479 / 107
Map Reference	LB TSP 49 FOP 39
Instrument Date	Jun 24, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	MORTGAGE CONNECT LP

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	Tenants by the Entirety
Address	411 CENTRAL DR, CHESTERTOWN, MD 21620-2845

Mortgage

Document Number	0003479118
Date	Oct 16, 2020
Instrument	3479/118

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	177 Months
Due	Jul 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 411 Central Dr was $2,006 with a homeowner's exemption.

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		$250,467 (+6.81%)	$282,400 (+20.43%) Land $127,500 Building $154,900
2025	$2,006.00 Homeowner's exemption	$234,500 Land $76,000 Building $158,500	$234,500 Land $76,000 Building $158,500
2023	$1,744.00 Homeowner's exemption	$195,100	$234,500 Land $76,000 Building $158,500

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

Flood

FEMA maps place 411 Central Dr in Zone X, an area of minimal flood risk, though there have been 30 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 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	Hurricane Sandy, Oct 2012 · 2 claims Hurricane Isabel, Sep 2003 · 20 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 411 Central Dr 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 96% of the US · lower than 92% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 277 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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