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$650,000
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Property Description
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 (including electrical) kitchen and laundry 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
Full Property Details for 109 Water St
General
- Sold For: $650,000
- Taxes: $6,766 (2025)
- Status: Closed
- Type: Townhouse
- Source: BrightMLSMidAtlantic
- MLS ID: MDKE2006064
- Added to Site: 39 day(s) ago
Interior
- Rooms/Areas: Living Room, Dining Room, Kitchen, Breakfast Room
- Fireplace: Yes
- Number of Fireplaces: 2
- Fireplace(s): Corner, Gas/Propane, Heatilator, Mantel(s)
- Appliances: Built-In Range, Built-In Microwave, Dishwasher, Disposal, Washer - Front Loading, Dryer - Front Loading, Refrigerator, Extra Refrigerator/Freezer, Freezer
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
- Fencing (Description): Picket
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
- Terms: Standard Sale
- Tax Total Finished Sq. Ft.: 2064
Disclosures and Reports
- Ownership: Fee Simple
Listed by Cross Street Realtors LLC, Richard Keaveney
Sold by TTR Sotheby's International Realty, Courtney Chipouras
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Schools
Schools serving 109 Water St
School District:Kent County Public Schools
| Name | Grades | Distance |
|---|---|---|
H. H. Garnett Elementary School 320 Calvert Street, Chestertown, MD 21620 | PK-5 | 0.5 mi |
Kent County Middle School 402 East Campus Avenue, Chestertown, MD 21620 | 6-8 | 0.8 mi |
Kent County High School 25301 Lambs Meadow Road, Worton, MD 21678 | 9-12 | 5.6 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
Date
Details
Price
Change
Source
2/27/2026
Sold
$650,000
—
MLS
1/27/2026
Listed
$650,000
—
MLS
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
109 Water Street, Chestertown, MD 21620 (MLS# MDKE2006064) is a Townhouse property that was sold at $650,000 on February 27, 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.

