413 Merganser Ct, Chester, MD 21619 Property Records

Queen Anne's County property record for 413 Merganser Ct, Chester, MD 21619

Property Summary

Property Type	Condominium
Details	2 ba · 1,069 sqft · built 1999
Lot Size	0.015 acres (689 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Mar 2024)
Tax Bill	$2,119 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-112253`

Property Details

APN / Parcel Number

Primary APN	`04-112253`
Alternative APNs	`4112253` `112253`

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	689 sqft (0.015 acres)
Deck Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	112253
Street Address	413 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 G PHASE 36 BAYSIDE CONDO
Legal Subdivision	BAYSIDE CONDOMINIUM
Legal Phase	36
Legal Block	31
Legal Lot Number	G
Jurisdiction	QUEEN ANNE'S MD
Township / Civil Division	4, KENT ISLAND
Census Block Group	3
Census Block	3004
Census Tract	810800

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	413 MERGANSER CT, G, CHESTER, MD 21619-2285
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2024	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Sep 15, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2024 · Amount on Record
Deed Sale	Mar 7, 2024 · Amount on Record
Prior Sale	Aug 13, 2013 · Amount on Record
Deed Book / Page	4351 / 162
Prior Transfer Date	Nov 28, 2007
Prior Transfer Doc	0017440353
Record Updated	Oct 29, 2026

March 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	QUEEN ANNE'S MD
Recording Date	Mar 7, 2024
Property Address	413 MERGANSER CT, CHESTER, MD 21619-2285
Document Number	0043510162
Book / Page	4351 / 162
Map Reference	MB 27 FO 8A
Instrument Date	Mar 1, 2024
Transaction Type	Transfer
Record Updated	Mar 22, 2024
Title Company	HOME FIRST TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	413 MERGANSER CT, CHESTER, MD 21619-2285

Mortgage

Document Number	0043510168
Date	Mar 7, 2024
Instrument	4351-0168

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	413 MERGANSER CT, CHESTER, MD 21619-2285
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034460053
Date	Sep 15, 2020
Book Page	3446/53

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

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 (+14.63%) Land $95,000 Building $140,000	$235,000 (+14.63%) Land $95,000 Building $140,000
2025	$2,119.00 (+9.74%) Homeowner's exemption
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

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 Record 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

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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