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108 N Water St , Chestertown, MD 21620
$1,125,000
Est. Payment: $6,177.48/mo
5 Bed
4 Bath
3031 Sqft
0.24 Acres
Status: active | Days on site: 1
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CROS1 - 3107913
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House Description

This 1925 classic colonial, three story residence, with both front and back gardens, is uniquely situated in the center of the favored 100 block of North Water Street, in historic Chestertown. The formal main entry, with dual brick steps approaches a generous landing, faces away from the street. At first a curiosity until you learn that a prominent family discovered the architectural plans for their "dream house" would not fit horizontally to face the prized road. During its' 100-plus years of life, the front porch (or was it the side?) was converted to a remarkable library, with requisite bookcases, and enjoys light from three sides. The formal parlor, with wood-burning fireplace and reclaimed 19th century moldings and mantle, is left of the straight-through center hall with classic black and white porcelain tiles. The intimate, yet well-proportioned dining room enhances the exceptional flow of the first-floor public rooms. A discreetly positioned powder room and butler's pantry with window and original cabinetry is conveniently placed before entering the large and sunny kitchen with premium custom cabinetry, appliances and finishes from a 2012 renovation. Two distinct patios, one screened and accessed from the dining room and the other from kitchen, overlook the large, rear garden with mature trees and landscaping. The center stairs, with a palladium window bathing light onto the steps, takes you to the first of two oversized landings that have served many lifestyle-uses over the years. The water view primary suite was renovated in 2022 by locally acclaimed Taylor Loughry LLC and boasts a timeless, luxurious aesthetic with custom built closets and Waterwork bath fixtures. Two additional bedrooms and refreshed bath with Restoration Hardware finishes, occupy the second floor. The third floor, with its own generous landing gives access to an ensuite bedroom with walk-in windowed closet (perfect for a future cedar lined closet) and a substantial sized fifth bedroom or multi-purpose space facing the Chester River and exquisite neighboring architecture. Rear yard might accommodate a pool.

Highlights

Listed by Richard Keaveney , 4107086470 Cross Street Realtors LLC , 4107783779. Bright MLS

Property Type

Residential

Lot/Acreage
0.24

Year Built

1925

County

Kent

Neighborhood

Downtown Chestertown

School District

Kent County Public Schools

Listing ID

MDKE2007214

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Cooktop, Dishwasher, Disposal, Dryer - Front Loading, Exhaust Fan, Icemaker, Oven - Double, Range Hood, Stainless Steel Appliances, Washer - Front Loading, Water Heater - Tankless
Air Cond:Zoned,Multi Units
Fireplaces:Wood,Screen,1 Fireplace
Floor:Wood,Ceramic Tile,Carpet
Above Ground Sq Ft:3031
Basement:Connecting Stairway,Outside Entrance,Poured Concrete,Shelving,Sump Pump
Other:
  • ▪ Additional:Bar, Bathroom - Walk-In Shower, Built-Ins, Butlers Pantry, Ceiling Fan(s), Crown Moldings, Floor Plan - Traditional, Formal/Separate Dining Room, Kitchen - Island, Primary Bath(s), Upgraded Countertops, Window Treatments, Wood Floors, Chair Railings, No Pet Restrictions, Pets Allowed
Water:Public

Exterior Features

Lot:Front Yard,Rear Yard,Not New Construction,Horse Property: No,In City Limits
Garage Capacity:2
Zoning:R-3
Roof:Slate,Metal
Others:
  • ▪ Additional:Sidewalks, Stone Retaining Walls, Underground Lawn Sprinkler, Excellent
Sewer:Public Sewer
Parking Features:Gravel Driveway,On Street,Driveway,2+ Spaces,1+ Spaces
Principal Interest
$6,177
Taxes
$927

Home Price

$1,125,000

Loan Details

30 yrs
7.312%

Down Payment

20%
$225,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$6,177.48

Principal

Taxes

Principal Taxes HOA Total
Monthly $6,177.48 $927.00 $0.00 $7,104.48
Yearly $74,129.75 $11,124.00 $0.00 $85,253.75
Total $2,223,892.64 $333,720.00 $0.00 $2,557,612.64
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Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Chestertown, MD).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bright MLS, and is deemed reliable but not guaranteed accurate.

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Data last updated: 2026-11-14T13:14:08.000Z

© 2026 Bright MLS