415 High St, Chestertown, MD 21620 Property Records

Kent County property record for 415 High St, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,748 sqft · built 1888
Lot Size	0.119 acres (5,200 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Aug 2004)
Tax Bill	$8,893 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-017757`

Property Details

APN / Parcel Number

Primary APN	`04-017757`
Alternative APNs	`4017757` `017757`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,748 sqft Total Area

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1888
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,200 sqft (0.119 acres)
Lot Dimensions	122 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	017757
Street Address	415 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 40.5X122.8 415 HIGH ST CHESTERTOWN
Legal Subdivision	HUGGINS FRANCIS M LANDS
Legal Lot Number	415
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

415 High St is owned by an individual who bought it in August 2004.

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

Owner of Record	Individual Name on File
Mailing Address	2339 N COMMONWEALTH AVE, 2C, CHICAGO, IL 60614-3443
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
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage SANDY SPRING BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2004 · Amount on File
Deed Sale	Aug 6, 2004 · Amount on File
Prior Sale	Dec 16, 2003
Deed Document Number	200440733
Deed Book / Page	378 / 590
Transfer Doc	0000001069
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	415 HIGH ST, CHESTERTOWN, MD 21620-1311
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011220235
Date	Feb 2, 2021
Book Page	1122/235

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 1, 2041

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	415 HIGH ST, CHESTERTOWN, MD 21620-1311
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EASTERN SHORE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009920024
Date	Apr 2, 2019
Book Page	992/024

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	FAIRFAX, VA 22033

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 415 High St was $8,893, up 2.2% 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	$8,893.00 (+2.21%)	$567,500	$592,100 Land $203,200 Building $388,900
2025	$8,701.00
2023	$7,458.00 Homeowner's exemption	$504,400	$555,200 Land $203,200 Building $352,000

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

Flood

FEMA maps place 415 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 415 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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