Queen Anne's County property record for 628 Central Dr, Chestertown, MD 21620
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,871 sqft · built 1979 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (Dec 2018) |
| Tax Bill | $2,695 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-017547 |
| Primary APN | 02-017547 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,871 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Lot Dimensions | 225 ft deep x 210 ft wide |
| Garage Type | Attached |
| Garage Area | 348 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 396 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 017547 |
|---|---|
| Street Address | 628 CENTRAL DR |
| City | CHESTERTOWN |
| State | MD |
| Zip | 21620-2766 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NC-1 |
| Legal Description | 1 AC E/OF FEY RD N/E CHESTERTOWN |
| Legal Subdivision | WILLIAM H COOPER LAND |
| Jurisdiction | QUEEN ANNE'S MD |
| Township / Civil Division | 2, CHURCH HILL |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 810300 |
628 Central Dr is owned and occupied by two individuals who bought it in December 2018.
Source: Queen Anne's County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 628 CENTRAL DR, CHESTERTOWN, MD 21620-2766 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 5, 2019 | Deed of Trust, Mortgage · VA Mortgage RESIDENTIAL MORTGAGE SERVICES |
| Dec 3, 2018 | Deed, Transfer · VA Mortgage RESIDENTIAL MORTGAGE SERVICES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 3, 2018 · Amount on File |
| Deed Sale | Dec 3, 2018 · Amount on File |
| Deed Book / Page | 3007 / 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | QUEEN ANNE'S MD |
| Property Address | 628 CENTRAL DR, CHESTERTOWN, MD 21620-2766 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0031510233 |
|---|---|
| Date | Sep 5, 2019 |
| Book Page | 3151/233 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Address | SOUTH PORTLAND, ME 04106 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | QUEEN ANNE'S MD |
| Recording Date | Dec 3, 2018 |
| Property Address | 628 CENTRAL DR, CHESTERTOWN, MD 21620-2766 |
| Document Number | 0030070001 |
| Book / Page | 3007 / 001 |
| Instrument Date | Nov 27, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 628 CENTRAL DR, CHESTERTOWN, MD 21620-2766 |
| Document Number | 0000030078 |
|---|---|
| Date | Dec 3, 2018 |
| Instrument | 3007/8 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2048 |
The 2025 property tax bill for 628 Central Dr was $2,695 with a homeowner's exemption.
Source: Queen Anne's County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Queen Anne's County |
| Unified School District | Queen Annes County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $320,867 | $361,400 Land $140,000 Building $221,400 | |
| 2025 | $2,695.00 Homeowner's exemption | ||
| 2023 | $2,376.00 Homeowner's exemption | $259,733 | $300,600 Land $85,000 Building $215,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 628 Central Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective October 25, 2022 · 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 File median of 42 policies |
| Nearby Flood Policies | 42 in force |
| Nearby Flood Claims | 30 (1979–2024) |
| Claims Outside the SFHA | 10 of 30 |
| Most Recent Claim | Jan 2024 · river or lake flooding |
| Claims by Event |
|
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 risk around 628 Central Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 68 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 |
May also be available: BridgeMAXX Suncoast Broadband, Verizon.
5G (outdoors only) and 4G LTE
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