545 High St, Chestertown, MD 21620 Property Records

Kent County property record for 545 High St, Chestertown, MD 21620

Property Summary

Property Type	Condominium
Details	1 ba · 929 sqft · built 1900
Lot Size	0.011 acres (477 sqft)
Owner	Company Name on Record
Last Sale	$249,900 (Mar 2024)
Tax Bill	$2,899 (2026)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Mar 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-028368`

Property Details

APN / Parcel Number

Primary APN	`04-028368`
Alternative APN	`028368`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	929 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Condo/Apartment
Lot Area	477 sqft (0.011 acres)
Deck Area	42 sqft
Patio Area	42 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	028368
Street Address	545 HIGH ST
City	CHESTERTOWN
State	MD
Zip	21620-1313
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-5
Legal Description	UNIT 545 545 HIGH ST VICKER'S ROW CONDOMINIUM
Legal Subdivision	VICKER S ROW CONDOMINIUM
Legal Unit	545
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	4
Census Block	4009
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 August 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	2115 WILTONWOOD RD, STEVENSON, MD 21153-2028
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2024	Deed, Transfer · Unknown CHESAPEAKE BANK & TRUST COMPANY
Mar 11, 2024	Intrafamily Transfer, Transfer
Dec 15, 2020	Deed, Transfer · Line of Credit CHESAPEAKE BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2024 · Amount on Record
Deed Sale	Mar 11, 2024 · Amount on Record
Prior Sale	Dec 15, 2020 · Amount on Record
Deed Book / Page	1358 / 259
Prior Transfer Date	Feb 28, 2024
Prior Transfer Doc	0013580255
Record Updated	Oct 29, 2026

March 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Mar 11, 2024
Property Address	545 HIGH ST, CHESTERTOWN, MD 21620-1313
Document Number	0013580259
Book / Page	1358 / 259
Map Reference	LB MLM 439 FO 70
Instrument Date	Mar 7, 2024
Transaction Type	Transfer
Record Updated	Mar 22, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,249.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 HIGH ST, CHESTERTOWN, MD 21620-1313

Mortgage

Document Number	0013580266
Date	Mar 11, 2024
Instrument	1358-0266

Lender

Name	CHESAPEAKE BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Unknown
Amount	Amount Recorded

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENT MD
Recording Date	Mar 11, 2024
Property Address	545 HIGH ST, CHESTERTOWN, MD 21620-1313
Document Number	0013580255
Book / Page	1358 / 255
Map Reference	LB MLM 439 FO 70
Instrument Date	Feb 28, 2024
Transaction Type	Transfer
Record Updated	Mar 22, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4959 DEEP POINT DR, CHESTERTOWN, MD 21620-4924

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Dec 15, 2020
Property Address	545 HIGH ST, CHESTERTOWN, MD 21620-1313
Document Number	0011120168
Book / Page	1112 / 168
Map Reference	LB 439 FO 87
Instrument Date	Dec 4, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
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 by the Entirety
Address	545 HIGH STRTEET, CHESTERTOWN, MD 21620-1313

Mortgage

Document Number	0001112173
Date	Dec 15, 2020
Instrument	1112/173

Lender

Name	CHESAPEAKE BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$2,899.00 (+12.15%)	$185,000 (+12.12%)	$225,000 (+36.36%) Land $150,000 Building $75,000
2025	$2,585.00 (+25.79%)	$165,000 (+15.38%) Land $90,000 Building $75,000	$165,000 (-) Land $90,000 Building $75,000
2023	$2,055.00	$143,000	$165,000 Land $90,000 Building $75,000

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 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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