Queen Anne's County property record for 498 Pear Tree Point Rd, Chestertown, MD 21620
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,784 sqft · built 1990 |
| Lot Size | 1.09 acres (47,480 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $632,500 (Oct 2016) |
| Tax Bill | $6,643 (2025) |
| Deeds & Mortgages | Apr 2018 Line of Credit Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-016204 |
| Primary APN | 07-016204 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,784 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 47,480 sqft (1.09 acres) |
| Lot Dimensions | 225 ft deep x 75 ft wide |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 960 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 340 sqft |
| Deck Area | 96 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 016204 |
|---|---|
| Street Address | 498 PEAR TREE POINT RD |
| City | CHESTERTOWN |
| State | MD |
| Zip | 21620-2341 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NC-20 |
| Legal Description | LOT 7 & 8 ROYSTON SHORES |
| Legal Subdivision | LEACH FLORENCE LANDS |
| Legal Lot Number | 7,8 |
| Jurisdiction | QUEEN ANNE'S MD |
| Township / Civil Division | 7, CRUMPTON |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 810100 |
Source: Queen Anne's County records · APN 07-016204
Assessment roll updated August 12, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 498 PEAR TREE POINT RD, CHESTERTOWN, MD 21620-2341 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 27, 2018 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Mar 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CHURCHILL MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 21, 2016 · Amount on Record |
| Deed Sale | Oct 21, 2016 · Amount on Record |
| Prior Sale | Jan 07, 2002 · Amount on Record |
| Deed Book / Page | 2598 / 478 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | QUEEN ANNE'S MD |
| Property Address | 498 PEAR TREE POINT RD, CHESTERTOWN, MD 21620-2341 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 498 PEAR TREE POINT RD, CHESTERTOWN, MD 21620-2341 |
| Document Number | 0028890297 |
|---|---|
| Date | Apr 27, 2018 |
| Book Page | 2889/297 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | PORTLAND, ME 04101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 04, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | QUEEN ANNE'S MD |
| Property Address | 498 PEAR TREE POINT RD, CHESTERTOWN, MD 21620-2341 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | NEWLYN TTL ASSURANCE CO INC |
| Name | Verified Name |
|---|
| Document Number | 0036360158 |
|---|---|
| Date | Mar 11, 2021 |
| Book Page | 3636/158 |
| Name | CHURCHILL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | BRENTWOOD, TN 37027 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 01, 2036 |
Source: Queen Anne's County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Queen Anne's County |
| Unified School District | Queen Annes County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $820,367 (+24.63%) | $884,500 (+12.2%) Land $497,400 Building $387,100 | |
| 2025 | $6,643.00 (+12.59%) Homeowner's exemption | ||
| 2023 | $5,900.00 Homeowner's exemption | $658,233 | $788,300 Land $352,200 Building $436,100 |
Source: FEMA National Flood Hazard Layer as of October 25, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 12 (1999–2011) |
| Claims Outside the SFHA | 4 of 12 |
| Most Recent Claim | Oct 2011 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Talkie Communications Fiber | 10,000 / 10,000 |
| Cogeco Cable Holdings II Cable | 1,000 / 50 |
May also be available: Verizon.
Based on FCC filings for 30 locations within half a mile of this property.
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