413 High St, Chestertown, MD 21620 Property Records

Kent County property record for 413 High St, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,124 sqft · built 1888
Lot Size	0.11 acres (4,800 sqft)
Owner	Individual Name on File
Last Sale	$410,000 (Aug 2008)
Tax Bill	$9,537 (2026)
Deeds & Mortgages	Apr 2020 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-017765`

Property Details

APN / Parcel Number

Primary APN	`04-017765`
Alternative APNs	`4017765` `017765`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,124 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1888
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	122 ft deep x 40 ft wide
Garage Type	Mixed
Garage Area	1,423 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	344 sqft
Deck Area	648 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	017765
Street Address	413 HIGH ST
City	CHESTERTOWN
State	MD
Zip	21620-1311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	LOT 40X122 413 HIGH ST CHESTERTOWN
Legal Subdivision	HOWARD PROP
Legal Lot Number	413
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	4
Census Block	4013
Census Tract	950300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Chestertown Historic District (Boundary Increase) listed 1984 · 456 contributing resources · NRIS 84001808

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

413 High St is owned by an individual who bought it in August 2008.

Source: Kent County records, as of August 27, 2026

Owner of Record	Individual Name on File
Mailing Address	803 DROHOMER PL, BALTIMORE, MD 21210-1346
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
Apr 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
May 22, 2018	Grant Deed, Transfer · Conventional Mortgage FIRST HM MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2008 · Amount on File
Deed Sale	Aug 8, 2008 · Amount on File
Prior Sale	Sep 26, 2006
Deed Document Number	200880514
Deed Book / Page	578 / 409
Prior Transfer Date	Sep 21, 2006
Prior Transfer Doc	0004910429
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	413 HIGH ST, CHESTERTOWN, MD 21620-1311
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010530059
Date	Apr 15, 2020
Book Page	1053/59

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENT MD
Recording Date	May 22, 2018
Property Address	413 HIGH ST, CHESTERTOWN, MD 21620-1311
Document Number	0009460126
Book / Page	000946 / 000126
Instrument Date	May 14, 2018
Transaction Type	Transfer
Record Updated	Jun 4, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	803 DOHOMER PL BALTIMORE MD 21210, BALTIMORE, MD 21210

Mortgage

Document Number	9460131
Date	May 22, 2018
Book Page	000946/000131

Lender

Name	FIRST HM MTG CORP
Address	BALTIMORE, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 21, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 413 High St was $9,537, up 1.9% from the year before.

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	$9,537.00 (+1.92%)	$608,567 (+1.92%)	$631,500 (+5.76%) Land $202,800 Building $428,700
2025	$9,357.00	$597,100 Land $202,800 Building $394,300	$597,100 Land $202,800 Building $394,300
2023	$8,002.00	$541,633	$597,100 Land $202,800 Building $394,300

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

Flood

FEMA maps place 413 High St in Zone X, an area of minimal flood risk, though there have been 31 flood claims nearby since 1979.

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 File median of 40 individual policies
Nearby Flood Policies	52 units insured incl. 12 condo units
Nearby Flood Claims	31 (1979–2024)
Claims Outside the SFHA	1 of 31
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Hurricane Sandy, Oct 2012 · 3 claims Hurricane Isabel, Sep 2003 · 18 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 413 High St 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 99.8% of the US · lower than 99.8% 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 426 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: BridgeMAXX Suncoast Broadband, IQ Fiber.

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