954 High St, Chestertown, MD 21620 Property Records

Kent County property record for 954 High St, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	5.5 ba · 6,334 sqft · built 1881
Lot Size	6.02 acres (262,231 sqft)
Owner	2 Individual Names on File
Last Sale	$777,000 (May 2022)
Tax Bill	$11,650 (2025)
Deeds & Mortgages	May 2022 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04-020502`

Property Details

APN / Parcel Number

Primary APN	`04-020502`
Alternative APN	`020502`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	6,334 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1881
Effective Year Built	Effective 1881
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	262,231 sqft (6.02 acres)
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	989 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	020502
Street Address	954 HIGH ST
City	CHESTERTOWN
State	MD
Zip	21620-3955
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 6.02 AC 954 HIGH STREET CHESTERTOWN
Legal Subdivision	WILLIAM R NUTTLE
Legal Lot Number	2
Jurisdiction	KENT MD
Township / Civil Division	4, CHESTERTOWN
Census Block Group	1
Census Block	1040
Census Tract	950300

Owner

Source: Kent County records · APN 04-020502

Assessment roll updated August 5, 2025 · Last verified August 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 File
Mailing Address	954 HIGH ST, CHESTERTOWN, MD 21620-3955
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 18, 2022 · Amount on Record
Deed Sale	May 18, 2022 · Amount on Record
Prior Sale	Jun 28, 2005 · Amount on Record
Deed Book / Page	1251 / 152
Record Updated	Sep 20, 2026

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	May 18, 2022
Property Address	954 HIGH ST, CHESTERTOWN, MD 21620-3955
Document Number	0012510152
Book / Page	1251 / 152
Map Reference	MB EHP 2 FO 100
Instrument Date	May 17, 2022
Transaction Type	Transfer
Record Updated	May 30, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Relationship	Tenants by the Entirety
Address	954 HIGH ST, CHESTERTOWN, MD 21620-3955

Mortgage

Document Number	0012510158
Date	May 18, 2022
Book Page	1251/158

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Kent County records · Assessment roll updated August 5, 2025 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$759,900 (+16.5%)	$792,900 (+6.66%) Land $160,500 Building $632,400
2025	$11,650.00 (+23.32%)
2023	$9,447.00	$652,267	$743,400 Land $160,500 Building $582,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kent County (24029C), as of October 15, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240299503001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (2003–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 2 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026

Listed Area	Within Lauretum listed 1997 · 1 contributing resources · NRIS 97000926

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
Cogeco Cable Holdings II Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: ALTIUS Communications, IQ Fiber Intermediate Holdings.

Based on FCC filings for 127 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MD0140002, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOWN OF CHESTERTOWN serves 5,400 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.