5 Reed Ct, Chestertown, MD 21620 Property Records

Kent County property record for 5 Reed Ct, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,052 sqft · built 1988
Lot Size	0.253 acres (11,039 sqft)
Owner	2 Individual Names on Record
Last Sale	$283,500 (Dec 2018)
Tax Bill	$4,568 (2025)
Deeds & Mortgages	Nov 2022 Second Mortgage Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-023072`

Property Details

APN / Parcel Number

Primary APN	`04-023072`
Alternative APNs	`4023072` `023072`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,052 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,039 sqft (0.253 acres)

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Shed	1 Shed
Shed Area	576 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	023072
Street Address	5 REED CT
City	CHESTERTOWN
State	MD
Zip	21620-1667
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 5-11,039 SQ. FT. 5 REED CT CHESTERTOWN
Legal Subdivision	REED COURT
Legal Lot Number	5
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	2
Census Block	2001
Census Tract	950300

Owner

Source: Kent County records, as of August 18, 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 Record
Mailing Address	5 REED CT, CHESTERTOWN, MD 21620-1667
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ABERDEEN PROVING GROUND FCU
Feb 10, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 11, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 19, 2018	Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2018 · Amount on Record
Deed Sale	Dec 19, 2018 · Amount on Record
Prior Sale	Oct 27, 2006
Deed Book / Page	980 / 8
Prior Transfer Date	Oct 3, 2006
Prior Transfer Doc	0004950498
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	5 REED CT, CHESTERTOWN, MD 21620-1667
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012830249
Date	Nov 17, 2022
Book Page	1283/249

Lender

Name	ABERDEEN PROVING GROUND FCU
Type	Credit Union
Address	ABERDEEN, MD 21001

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 8, 2032

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	5 REED CT, CHESTERTOWN, MD 21620-1667
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012290200
Date	Feb 10, 2022
Book Page	1229/200

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	5 REED CT, CHESTERTOWN, MD 21620-1667
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011260212
Date	Feb 11, 2021
Book Page	1126/212

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Feb 1, 2049

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Dec 19, 2018
Property Address	5 REED CT, CHESTERTOWN, MD 21620-1667
Document Number	0009800008
Book / Page	0980 / 008
Map Reference	MB EHP2 FO 210
Instrument Date	Dec 17, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5 REED CT, CHESTERTOWN, MD 21620-1667

Mortgage

Document Number	0000098014
Date	Dec 19, 2018
Instrument	0980/14

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

Source: Kent County assessment roll, as of August 5, 2025

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		$314,867 (+0.6%)	$318,600 (+1.79%) Land $90,200 Building $228,400
2025	$4,568.00 (+16.5%) Homeowner's exemption	$313,000 (+1%) Land $90,200 Building $222,800	$313,000 (-) Land $90,200 Building $222,800
2023	$3,921.00 Homeowner's exemption	$284,533	$313,000 Land $90,200 Building $222,800

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 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	8 (1983–2003)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Sep 2003 · Hurricane Isabel
Claims by Event	Hurricane Isabel, Sep 2003 · 7 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 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 272 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
T-Mobile Fixed Wireless	100 / 20
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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