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$650,000 Coming Soon

  • For Sale
  • Coming Soon
  • Townhouse
  • 4 Beds
  • 2 Full Baths
  • 2,712 Sq. Ft.
  • Updated 2 days ago
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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.

Full Property Details for 109 Water St

General

  • Price: $650,000
  • Taxes: $6,766 (2025)
  • Status: Coming Soon
  • Type: Townhouse
  • Source: BrightMLSMidAtlantic
  • MLS ID: MDKE2006064
  • Updated: 1/17/2026
  • Added to Site: 2 day(s) ago
  • Expected Market Date: 1/27/2026

Interior

  • Rooms/Areas: Living Room, Dining Room, Kitchen, Breakfast Room
  • Fireplace: Yes
  • Number of Fireplaces: 2
  • Fireplace(s): Corner, Gas/Propane, Heatilator, Mantel(s)

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2
  • Upper 2 - Full Baths: 1
  • Upper Floor Baths: 2
  • Upper - Full Baths: 2

Bedrooms

  • Total Bedrooms: 4
  • Bedrooms Upper: 4
  • Bedrooms-Up2: 2

Other Rooms

  • Laundry: Basement

Additional Information

  • Security/Safety: Carbon Monoxide Detector(s), Exterior Cameras, Smoke Detector

Parking

  • Total Spaces: 1
  • Parking Features: Crushed Stone
  • Parking Type: Off Street, Driveway

Location

  • Municipality: Chestertown
  • County: KENT
  • Subdivision: DOWNTOWN CHESTERTOWN
  • Cross Streets: High
  • Driving Directions: East on High Street towards waterfront. Right onto South Water Street. End of row townhouse adjacent to college owned green space
  • Direction Faces: West
  • City Limits: Yes

School Information

  • School District: Kent County Public Schools

Community

  • Pets Allowed: Yes
  • Pets: No Pet Restrictions

Heating & Cooling

  • Central air: Yes
  • Cooling Type: Central A/C
  • Cooling Fuel: Electric
  • Heating Type: Heat Pump - Gas BackUp, Energy Star Heating System
  • Heating Fuel: Electric, Propane - Leased
  • Water Heater: Electric, Propane

Utilities

  • Sewer: Public Sewer
  • Water: Public
  • Dist. to Water: 150 Feet
  • Utility Description: Propane, Cable TV, Electric Available

Structural Information

  • Architectural Style: Colonial
  • Structure Type: End of Row/Townhouse
  • Construction: Frame
  • Basement: Yes
  • Basement Entrance: Yes
  • Basement Desc.: Connecting Stairway, Daylight, Partial, Heated, Outside Entrance, Sump Pump, Walkout Level, Windows
  • Foundation: Brick/Mortar
  • Roof: Metal
  • Entry Floor Number: 1
  • Stories Description: Main, Upper 1, Upper 2
  • Square Feet: 2,712
  • Sq. Ft. Source: Assessor
  • Living Area: 2,064 Sq. Ft.
  • Finished Above Grnd: 2,064 Sq. Ft.
  • Year Built: 1900
  • Year Built Source: Assessor

Unit Information

  • Unit Floor in Bldg.: 3

Lot Features

  • Property View: River, Garden/Lawn, Marina
  • Lot Size (Acres): 0.06
  • Lot Size (Sq. Ft.): 2,574
  • Lot Size Source: Assessor
  • Zoning: R-3
  • Lot Description: Adjoins - Open Space, Flood Plain, Landscaping, Rear Yard

Water Features

  • Water View: Yes
  • Navigable Water: Yes
  • Water Access: Yes
  • Water Front Type: River
  • Water Front Name: Chester

Financial Considerations

  • Price Per Sq. Ft.: $314.92
  • Assessment Year: 2025
  • City/TownTax: $1,870
  • City/TownTax Freq: Annually
  • County Tax: $4,895
  • County Tax Freq: Annually
  • Tax w/Assessment: $431,700
  • Tax Amount: $6,766
  • Tax Year: 2025
  • Tax Total Finished Sq. Ft.: 2064

Disclosures and Reports

  • Ownership: Fee Simple

Listed by Cross Street Realtors LLC, Richard Keaveney

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Listing agent

— 109 Water St —

  • Richard Keaveney

    Cross Street Realtors LLC

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Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

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Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 109 Water St

School District:Kent County Public Schools
NameGradesDistance
H. H. Garnett Elementary School
320 Calvert Street, Chestertown, MD 21620
PK-50.5 mi
Kent County Middle School
402 East Campus Avenue, Chestertown, MD 21620
6-80.8 mi
Kent County High School
25301 Lambs Meadow Road, Worton, MD 21678
9-125.6 mi
Disclaimer: School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 109 Water St Get Price Alerts and Save Property

Date
Details
Price
Change
Source
1/17/2026
Listed
$650,000
-24.86%
MLS
8/11/2023
Sold
$865,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 109 Water St

Year
Property Taxes
Change
Tax Assessment
Change
2025
$13,774
4%
$878,900
4%
2024
$13,277
9%
$847,200
4%
2023
$12,205
—
$815,500
4%
2022
$12,205
—
$783,800
—
2020
$12,201
—
$781,167
—
2021
$12,201
1%
$778,533
—
2020
$12,135
1%
$775,900
—
2019
$12,057
3%
$775,900
—
2018
$11,670
-1%
$775,900
-1%
2017
$11,773
307%
$782,800
—
2016
$2,896
-75%
$782,800
—
2015
$11,773
-14%
$782,800
-14%
2014
$13,751
—
$914,300
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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Listed by Cross Street Realtors LLC, Richard Keaveney

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109 Water Street, Chestertown, MD 21620 (MLS# MDKE2006064) is a Townhouse property with 4 bedrooms and 2 full bathrooms. 109 Water Street is currently listed for $650,000 and was received on January 17, 2026. Want to learn more about 109 Water Street? Do you have questions about finding other Townhouse real estate for sale in Chestertown? You can browse all Chestertown real estate or contact a Coldwell Banker agent to request more information.

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