9797 Richards Rd, Chestertown, MD 21620 Property Records

Kent County property record for 9797 Richards Rd, Chestertown, MD 21620

Property Summary

Property Type	Single Family Home
Details	1 ba · 840 sqft · built 1951
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (Sep 2019)
Tax Bill	$5,491 (2026)
Deeds & Mortgages	May 2026 Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-004342`

Property Details

APN / Parcel Number

Primary APN	`06-004342`
Alternative APNs	`6004342` `004342`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	840 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	44,867 sqft (1.03 acres)
View / Lot	Waterfront
Garage Type	Mixed
Garage Area	320 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	180 sqft
Deck Area	226 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	004342
Street Address	9797 RICHARDS RD
City	CHESTERTOWN
State	MD
Zip	21620-4156
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CAR
Legal Description	LOT 1-2, BLK. A PL 2 9797 RICHARDS ROAD FAIRLEE COVE
Legal Subdivision	FAIRLEE COVE 3RD EDITION OF FARLEE COVE
Legal Block	A
Legal Lot Number	1,2
Jurisdiction	KENT MD
Township / Civil Division	6, FAIRLEE
Census Block Group	1
Census Block	1052
Census Tract	950400

Owner

9797 Richards Rd is owned and occupied by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	9797 RICHARDS RD, CHESTERTOWN, MD 21620-4156
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.

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Quit Claim Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Sep 4, 2019	Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jun 27, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2019 · Amount on File
Deed Sale	Sep 4, 2019 · Amount on File
Prior Sale	Oct 13, 1978 · Amount on File
Deed Book / Page	1017 / 212
Prior Transfer Date	Jun 12, 2019
Prior Transfer Doc	0010060180
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENT MD
Recording Date	May 26, 2026
Property Address	9797 RICHARDS RD, CHESTERTOWN, MD 21620-4156
Document Number	1500000277
Book / Page	1500 / 277
Instrument Date	Jan 6, 2026
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9797 RICHARDS RD, CHESTERTOWN, MD 21620-4156

Mortgage

Document Number	1500000286,
Date	May 26, 2026
Book Page	1500/286

Lender

Name	MOVEMENT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	281 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	KENT MD
Recording Date	Sep 4, 2019
Property Address	9797 RICHARDS RD, CHESTERTOWN, MD 21620-4156
Document Number	0010170212
Book / Page	1017 / 212
Map Reference	LB WHG19 FO 546A
Instrument Date	Aug 29, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9797 RICHARDS RD, CHESTERTOWN, MD 21620-4156

Mortgage

Document Number	0001017217
Date	Sep 4, 2019
Instrument	1017/217

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENT MD
Recording Date	Jun 27, 2019
Property Address	9797 RICHARDS RD, CHESTERTOWN, MD 21620-4156
Document Number	0010060180
Book / Page	001006 / 000180
Instrument Date	Jun 12, 2019
Transaction Type	Transfer
Record Updated	Jul 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2959 BROOKFIELD RD LANCASTER PA 176013557, LANCASTER, PA 17601-3557

Tax Assessment & Valuation

The 2026 property tax bill for 9797 Richards Rd was $5,491, up 1.5% from the year before.

Source: Kent County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Kent County
Unified School District	Kent County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,491.00 (+1.46%)	$478,933 (+1.48%)	$485,900 (-) Land $400,000 Building $85,900
2025	$5,412.00	$471,967	$485,900 Land $400,000 Building $85,900
2023	$5,267.00	$464,133	$465,000 Land $400,000 Building $65,000

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

Flood

FEMA maps place 9797 Richards Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	7 (1986–2003)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Sep 2003 · Hurricane Isabel
Claims by Event	Hurricane Isabel, Sep 2003 · 6 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

Wildfire risk around 9797 Richards Rd 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 97% of the US · lower than 94% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	1,000 / 1,000

May also be available: Talkie Communications.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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