609 High St, Chestertown, MD 21620 Property Records

Kent County property record for 609 High St, Chestertown, MD 21620

Property Summary

Property Type	Auto Repair, Garage
Details	598 sqft · built 2001
Lot Size	0.427 acres (18,600 sqft)
Owner	Company Name on File
Last Sale	$505,000 (Jun 2022)
Tax Bill	$7,616 (2026)
Deeds & Mortgages	Jul 2022 Mortgage Jun 2022 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04-021614`

Property Details

APN / Parcel Number

Primary APN	`04-021614`
Alternative APNs	`4021614` `021614`

Interior

Units	2 Units
Stories	1 Story
Building Area	598 sqft Total Area
1st Floor Area	3,263 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	18,600 sqft (0.427 acres)
Lot Dimensions	155 ft deep x 120 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Sewer	Connected

Location & Zoning

Account Number	021614
Street Address	609 HIGH ST
City	CHESTERTOWN
State	MD
Zip	21620-1113
Property Category	Commercial
Property Type	Commercial > Retail > Auto Repair, Garage
Local Zoning Code	B1
Legal Description	LOT 120X155 609 HIGH ST CHESTERTOWN
Legal Lot Number	609
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	4
Census Block	4007
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

609 High St, a commercial property, is owned by a company that bought it in June 2022.

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

Owner of Record	Company Name on File
Mailing Address	121 FLATLAND RD, CHESTERTOWN, MD 21620-3329
Owner Type	Company
Vesting	Company

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
Jul 26, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage CHESAPEAKE BANK & TRUST COMPANY
Jun 24, 2022	Deed, Transfer · Line of Credit CHESAPEAKE BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2022 · Amount on File
Deed Sale	Jun 24, 2022 · Amount on File
Prior Sale	Nov 18, 1987 · Amount on File
Deed Book / Page	1259 / 87
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MD
Property Address	609 HIGH ST, CHESTERTOWN, MD 21620-1113
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012640090
Date	Jul 26, 2022
Book Page	1264/90

Lender

Name	CHESAPEAKE BANK & TRUST COMPANY
Type	Bank
Address	CHESTERTOWN, MD 21620

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Jun 24, 2022
Property Address	609 HIGH ST, CHESTERTOWN, MD 21620-1113
Document Number	0012590087
Book / Page	1259 / 87
Map Reference	MB 65 PG 387
Instrument Date	Jun 23, 2022
Transaction Type	Transfer
Record Updated	Jul 6, 2022

Transaction

Amount	Amount on Record
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 FLATLAND RD, CHESTERTOWN, MD 21620-3329

Mortgage

Document Number	0001259092
Date	Jun 24, 2022
Instrument	1259-092

Lender

Name	CHESAPEAKE BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 609 High St was $7,616, up 8.8% 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	$7,616.00 (+8.77%)	$486,000 Land $180,600 Building $305,400	$486,000 Land $180,600 Building $305,400
2025	$7,002.00
2023	$5,736.00	$368,400 Land $180,600 Building $187,800	$368,400 Land $180,600 Building $187,800

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

Flood

FEMA maps place 609 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

The area around 609 High St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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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