109 Water Street Chestertown, MD $ 650,000
109 Water Street
$ 650,000
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109 Water Street

Chestertown, MD, 21620
$ 650,000
Bedrooms4 Baths2.0 Sq 2,064

Monthly Estimate*

$ 4,002

109 Water Street, Chestertown, MD 21620 - Image 1
109 Water Street, Chestertown, MD 21620 - Image 2
109 Water Street, Chestertown, MD 21620 - Image 3

Townhouse for sale in Chestertown, MD

for $650,000 with 4 bedrooms and 2 full baths. This 2,064 square foot townhouse was built in 1900 on a lot size of 0.06.

109 South Water, along with the historic Custom House, is a bookend to a small, but iconic, cluster of historic (c1900) townhouses that give pause to every passer-by, especially those equipped with a lens. Beautifully designed and maintained block-wide landscaping, individually maintained, provides exceptional street appeal. The smallest (2064 square feet) of the four clapboard houses, all with engaging front porches, has the benefit of additional light from its' six southern facing windows overlooking the waterside lawn, with sculpture, of the historic residence of the President of Washington College. Two quaint river side porches, one screened, guarantee that calm, cool, collected vibe. In 2024, a substantial restoration effort focused on new mechanical systems and appliances, rebuilt front porch and roof, and the opening up of the two third-floor bedrooms into a beautiful street to riverside space, currently a tech-heavy creative office space but could be earmarked for an amazing primary suite. For the future-minded, well-funded buyer(s), a flawless expansion plan, with HDC approvals, by architect John Hutchinson, are available for use.

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Townhouse Coming Soon

Price

$ 650,000

Bedrooms

4

Full Bath

2

Property Type

Townhouse

Taxes

$ 6,766

Style

Colonial

Lot Size

0.06

Year Built

1900

Town/City

Chestertown

County/Region

Kent

MLS | Web ID

MDKE2006064

Features
General
Living Area 2064
Sewer Public Sewer
Heating Heat Pump - Gas BackUp Energy Star Heating System
Cooling Central A/C
Utilities Propane Cable TV Electric Available
Possession 31-60 Days CD
Roof Metal
Zoning R-3
Architectural Style Colonial
Security Features Carbon Monoxide Detector(s) Exterior Cameras Smoke Detector
Construction Materials Frame
School District KENT COUNTY PUBLIC SCHOOLS
Year Built 1900
View River Garden/Lawn Marina
Levels 3
Tax Year 2025
Ownership Fee Simple
Cool Fuel Electric
Municipality Chestertown
Accessibility None
County KENT
New Construction N
Property Type Residential
HOA N
Subdivision Name DOWNTOWN CHESTERTOWN
Facing Direction West
Garage Y/N N
Water Access Y/N Y
Other Structures Above Grade Below Grade
Full Baths 2
Status COMING SOON
Directions East on High Street towards waterfront. Right onto South Water Street. End of row townhouse adjacent to college owned green space
City CHESTERTOWN
Body of Water Chester
Senior Community Y/N N
Lot Size Units Square Feet
Lot Size Square Feet 2574.00
Tax Annual Amount 6766.0
Home Warranty Y/N N
Structure Type End of Row/Townhouse
Condo/Coop Association fee Y/N N
Bathrooms Full Main Level 0
Bathrooms Count Main Level 0.00
Price Per Sq Ft Total AG 314.92
Historic Y/N N
Lease Considered Y/N N
Vacation Rental Y/N N
Standard Status Coming Soon
Year Built Source Assessor
Association Recreation Fee N
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Interior
Heating Fuel Electric Propane - Leased
Basement Connecting Stairway Daylight Partial Heated Outside Entrance Sump Pump Walkout Level Windows
Total Fireplaces 2
Fireplace Features Corner Gas/Propane Heatilator Mantel(s)
Hot Water Electric Propane
Basement (Y/N) Y
Heating Y/N Y
Fireplace Y/N Y
Above Grade Finished Area 2064
Half Baths 0
Central Air Y/N Y
Total Bedrooms 4
Below Grade Finished Area 0
Entry Level 1
Room Type Living Room Dining Room Kitchen Breakfast Room
Main Level Bedrooms 0
Below Grade Finished Area Unit Type Square Feet
Laundry Type Basement
Below Grade Finished Area Source Assessor
Above Grade Finished Area Source Assessor
Above Grade Finished Area Unit Type Square Feet
Total Baths 2
Number of Elevators 0
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Exterior
Pool No Pool
Parking Features Crushed Stone
Lot Features Adjoins - Open Space Flood Plain Landscaping Rear Yard
Water Source Public
Type of Parking Off Street Driveway
Foundation Details Brick/Mortar
Spa N
Water View Y/N Y
Lot Size Acres 0.06
Water Body Type River
Lot Size Source Assessor
Waterfront Y/N N
Horse Y/N N
Land Assessed Value 350500.00
Navigable Water Y/N Y
Water Oriented Y/N Y
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Internal Only
Street Number 1 109
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* Excluded Features
List By
Cross Street Realtors Llc

Broker

rdkeaveney@gmail.com

Email

Affordability Calculator

$4,566
Per Month
88%
12%
0%
Monthly Principal & Interest
$4,002
Monthly Property Taxes
$564
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
3535796 Elementary School
3533824 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
1/17/2026$650,000 Listed Price

Map


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109 Water Street, Chestertown, MD, 21620 is a Townhouse for sale at $650,000 with 2,064 sqft and a lot size of 0.06. 109 Water Street has 4 bedrooms, 2.0 baths, and was built in 1900. The property's zip code is 21620 which is in Chestertown, MD