522 High St, Chestertown, MD 21620 Property Records

Kent County property record for 522 High St, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,518 sqft · built 1820
Lot Size	0.084 acres (3,640 sqft)
Owner	Individual Name on Record
Last Sale	$295,000 (Oct 2026)
Tax Bill	$4,739 (2026)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Feb 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`04-009584`

Property Details

APN / Parcel Number

Primary APN	`04-009584`
Alternative APNs	`4009584` `009584`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	1,518 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1820
Effective Year Built	Effective 1820
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	3,640 sqft (0.084 acres)
Lot Dimensions	130 ft deep x 28 ft wide
Patio Area	184 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	009584
Street Address	522 HIGH ST
City	CHESTERTOWN
State	MD
Zip	21620-1314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	LOT 28X130 522 HIGH ST CHESTERTOWN
Legal Subdivision	CHESTERTOWN
Legal Lot Number	522
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	4
Census Block	4010
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

Source: Kent County records, as of October 20, 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	522 HIGH ST, CHESTERTOWN, MD 21620-1314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2026	Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE
Feb 22, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2026 · Amount on Record
Deed Sale	Oct 13, 2026 · Amount on Record
Prior Sale	Feb 14, 2006 · Amount on Record
Deed Book / Page	1530 / 95
Prior Transfer Date	Feb 9, 2017
Prior Transfer Doc	0008950403
Record Updated	Oct 29, 2026

October 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Oct 13, 2026
Property Address	522 HIGH ST, CHESTERTOWN, MD 21620-1314
Document Number	1530000095
Book / Page	1530 / 95
Instrument Date	Sep 30, 2026
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$297,950.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 HIGH ST, CHESTERTOWN, MD 21620-1314

Mortgage

Document Number	1530000102,
Date	Oct 13, 2026
Book Page	1530/102

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENT MD
Recording Date	Feb 22, 2017
Property Address	522 HIGH ST, CHESTERTOWN, MD 21620-1314
Document Number	0008950403
Book / Page	000895 / 000403
Instrument Date	Feb 9, 2017
Transaction Type	Transfer
Record Updated	Mar 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	522 HIGH ST CHESTERTOWN MD 216201314, CHESTERTOWN, MD 21620-1314

Tax Assessment & Valuation

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	$4,739.00 (+2.24%) Homeowner's exemption	$302,433 (+2.24%)	$315,700 (+6.73%) Land $121,600 Building $194,100
2025	$4,635.00 (+15.33%) Homeowner's exemption	$295,800 (+9.29%) Land $121,600 Building $174,200	$295,800 (-) Land $121,600 Building $174,200
2023	$4,019.00 Homeowner's exemption	$270,667	$295,800 Land $121,600 Building $174,200

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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