NOT LISTED FOR SALE

201 N Water St Chestertown, MD 21620

Estimated Value: $1,428,000 - $2,054,000

4 Beds
4.5 Baths
5,195 Sq Ft
$314/Sq Ft Est. Value

Last Sold October 16, 2024

Last sale price $1,362,500 $262 Per Sq Ft

Est. 20% increase in value since last sale

Current estimated payment $10,266/month

457 Days on Market

Highlights

  • 134 Feet of Waterfront
  • Gourmet Kitchen
  • 0.39 Acre Lot
  • Fishing Allowed
  • River View
  • Curved or Spiral Staircase

About This Home

As of October 2024

SMITH-RINGGOLD HOUSE. ca. 1750
OWNER IS MEETING THE MARKET for this rare property WITH PRICE NOW AT $1,6500,000.

This exceptional property is a rare find: an authentic waterfront 18th century home with 21st century comfort in heart of Historic Districtnof Chestertown on Maryland's Eastern Shore. Originally a merchant’s home , the Smith-Ringgold house has been tastefully modified representing four defined periods and enlarged over the course of its 250-year history. William Ringgold added rooms toward the River in about 1759 that doubled the space. (Often, one would find 18th c. additions such as this creating a telescope style design. )

The present owner took two-years to restore the home from foundation to attic. A river-side sun-porch/breakfact room was added. ,The cedar shingle roof, , plumbing, wiring, heat and A/C systems were added or replaced. Wood floors throughout the house have been beautifully restored. Modern storm windows are energy efficient and all but eliminate street sounds. Aside from your own personal touches, this house awaits our arrival anf iss prepared for the next century.

The ground floor has a large double parlor, serene sitting room, formal dining room, breakfast room, and a stunning Chef’s kitchen. An important feature is the hand painted dining room mural by noted artist Jack Schroeder. The front hall, redesigned in about 1860, replaced a steep stairway with a grand and gracefully curving staircase. The second floor contains three large en-suite bedrooms and a laundry room that is also accessible from the kitchen via a “secret” staff stairway. The third floor has a large sitting room, bathroom, and fourth bedroom. A setion of the home’s original c. 1750 roof has been restored forming a unique design element. The backyard was extensively terraced, probably in the late 1700s, in descending levels down to the Chester River eliminating the fear of flooding. The free-standing brick garage dates from the early 20th century, when car garages replaced horse barns. This structure could easily be repurposed as an artist’s studio or home workshop. A wide driveway area provides additional off-street parking.

Truly an inviting residence for intimate family evenings or grand parties. Perfect setting for one's collection of antiques or for the simplicity of contemporary furniture which emphasizes the wonderful architecture.

CHESTERTOWN IN THE COUNTY OF KENT

Chestertown was founded in 1706 on the broad Chester River and served as an important shipping hub for trade with England and between the colonies. As the U.S. population center moved westward, Kent County settled into two hundred years of quiet agricultural and commercial fishing activities. Chestertown is home to a surprisingly large number of elegant, historical Georgian homes as well as Victorian “painted ladies.” With a population of 5,600, Chestertown is only an hour from Annapolis or Wilmington, about two hours from Baltimore, Philadelphia or Washington, and under four hours from New York City. Chestertown in the County of Kent is "a place where one would rather be".

Centrally located Washington College (founded in 1782 with the personal support of George Washington) provides Chestertown a mix of athletic competitions, music and drama, adult education, and visiting speakers. The town boasts a weekly Farmers Market, excellent coffee bars, restaurants, and art galleries—but no big box stores. The Chester River Yacht & Country Club offers an 18-hole golf course as well as a sailing program. The whole community supports major events like the annual Tea Party, commemorating a Revolutionary War protest; a Dickens Christmas Street Fair; and Down-rigging Weekend, when tall ships offer tours and sails on the Chester River. Today, Chestertown, is a vibrant mix of old families, newcomers, college students, full time residents with children, and involved weekenders.

Last Agent to Sell the Property

Nancy McGuire

(443) 480-7342 nmcguire@mdheritage.properties Maryland Heritage Properties License #20253 Listed on: 06/21/2023

Last Buyer's Agent

Barbara Watkins

(410) 310-2021 barb.c.watkins@gmail.com Benson & Mangold, LLC License #17535

Benson & Mangold, LLC

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $18,947

Year Built

  • Built in 1760 | Remodeled in 2012

Lot Details

  • 0.39 Acre Lot
  • 134 Feet of Waterfront
  • Home fronts navigable water
  • West Facing Home
  • Corner Lot
  • Historic Home
  • Property is in excellent condition
  • Property is zoned R-3

Parking

  • 2 Car Detached Garage
  • 2 Driveway Spaces
  • Parking Storage or Cabinetry
  • Front Facing Garage
  • Brick Driveway
  • On-Street Parking
  • Off-Street Parking

Home Design

  • Colonial Architecture
  • Georgian Architecture
  • Entry on the 1st floor
  • Brick Exterior Construction
  • Brick Foundation
  • Permanent Foundation
  • Stone Foundation
  • Poured Concrete
  • Wood Roof

Interior Spaces

  • Property has 4 Levels
  • Traditional Floor Plan
  • Curved or Spiral Staircase
  • Dual Staircase
  • Built-In Features
  • Chair Railings
  • Crown Molding
  • Beamed Ceilings
  • Ceiling Fan
  • Skylights
  • Recessed Lighting
  • 7 Fireplaces
  • Non-Functioning Fireplace
  • Fireplace Mantel
  • Electric Fireplace
  • Gas Fireplace
  • Transom Windows
  • Wood Frame Window
  • Six Panel Doors
  • Entrance Foyer
  • Sitting Room
  • Living Room
  • Dining Room
  • Home Office
  • Utility Room
  • Wood Flooring
  • River Views
  • Exterior Cameras
  • Attic

Kitchen

  • Gourmet Kitchen
  • Breakfast Room
  • Built-In Range
  • Stove
  • Built-In Microwave
  • Extra Refrigerator or Freezer
  • Ice Maker
  • Dishwasher
  • Disposal

Bedrooms and Bathrooms

  • 4 Bedrooms
  • En-Suite Bathroom

Laundry

  • Laundry on upper level
  • Dryer
  • Front Loading Washer

Basement

  • Basement Fills Entire Space Under The House
  • Connecting Stairway
  • Exterior Basement Entry
  • Sump Pump
  • Shelving

Outdoor Features

  • Canoe or Kayak Water Access
  • Public Water Access
  • River Nearby
  • Swimming Allowed
  • Stream or River on Lot
  • Powered Boats Permitted
  • Exterior Lighting
  • Porch

Location

  • Flood Risk

Schools

  • Garnett Elementary School
  • Chestertown Middle School
  • Kent County High School

Utilities

  • Zoned Cooling
  • Ductless Heating Or Cooling System
  • Radiator
  • Heat Pump System
  • Heating System Powered By Owned Propane
  • Propane
  • Electric Water Heater

Listing and Financial Details

  • Tax Lot 1552
  • Assessor Parcel Number 1504011554

Community Details

Overview

  • No Home Owners Association
  • Historic Chestertown Subdivision

Recreation

  • Fishing Allowed

Home Details

Home Type

Single Family

Est. Annual Taxes

$18,947

Year Built

Built in 1760 | Remodeled in 2012

Lot Details

0

Parking

2

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Colonial, Georgian
  • Ownership: Fee Simple
  • Historic: Yes
  • Inclusions: Chandelier in dining room and entrance hall.
  • New Construction: No
  • Story List: Main, Upper 1, Upper 2
  • Expected On Market: 2023-06-21
  • Federal Flood Zone: Yes
  • Year Built: 1760
  • Year Renovated: 2012
  • Automatically Close On Close Date: No
  • Building Winterized: No
  • Special Features: VirtualTour
  • Property Sub Type: Detached

Interior Features

  • Appliances: Built-In Microwave, Built-In Range, Dishwasher, Disposal, Dryer, Extra Refrigerator/Freezer, Icemaker, Refrigerator, Stove, Washer, Washer - Front Loading
  • Entry Floor: 1
  • Flooring Type: Wood
  • Interior Amenities: Additional Stairway, Attic, Breakfast Area, Built-Ins, Ceiling Fan(s), Chair Railings, Crown Moldings, Curved Staircase, Exposed Beams, Floor Plan - Traditional, Kitchen - Gourmet, Primary Bath(s), Recessed Lighting, Skylight(s), Wood Floors
  • Window Features: Wood Frame, Skylights, Transom
  • Fireplace Features: Electric, Equipment, Gas/Propane, Mantel(s), Non-Functioning
  • Fireplaces Count: 7
  • Fireplace: Yes
  • Door Features: Six Panel
  • Foundation Details: Brick/Mortar, Permanent, Stone
  • Levels Count: 4
  • Room List: Living Room, Dining Room, Primary Bedroom, Sitting Room, Bedroom 2, Bedroom 3, Bedroom 4, Kitchen, Foyer, Breakfast Room, Office, Utility Room, Primary Bathroom, Full Bath, Half Bath
  • Basement: Yes
  • Basement Type: Connecting Stairway, Full, Outside Entrance, Poured Concrete, Shelving, Sump Pump
  • Basement Footprint Percent: 80.00
  • Laundry Type: Has Laundry, Hookup, Upper Floor
  • Total Sq Ft: 6675
  • Living Area Sq Ft: 5195
  • Price Per Sq Ft: 317.61
  • Above Grade Finished Sq Ft: 5195
  • Below Grade Sq Ft: 1480
  • Total Below Grade Sq Ft: 1480
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

  • Bedrooms: 4
  • Total Bathrooms: 5
  • Full Bathrooms: 4
  • Half Bathrooms: 1
  • Main Level Bathrooms: 1.00
  • Upper Level Bathrooms: 4
  • Upper Level Bathrooms: 3.00
  • Upper Level 2 Bathrooms: 1.00
  • Main Level Half Bathrooms: 1

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Other Structures List: Garage(s)
  • Construction Materials: Brick
  • Exterior Features: Exterior Lighting, Sidewalks, Street Lights
  • Roof: Wood
  • Spa: No
  • View: River, Water
  • Water Access Features: Public Access, Swimming Allowed, Fishing Allowed, Canoe/Kayak, Boat - Powered
  • Water Access: Yes
  • Water Body Name: Chester River
  • Water Body Type: River
  • Waterfront: Yes
  • Water Oriented: Yes
  • Pool: No Pool
  • Water View: Yes
  • Water Frontage In Feet: 134

Garage/Parking

  • Garage Spaces: 2.00
  • Garage: Yes
  • Parking Features: Brick Driveway
  • Garage Features: Additional Storage Area, Garage - Front Entry
  • Number Of Detached Garage Spaces: 2
  • Total Garage And Parking Spaces: 4
  • Type Of Parking: Detached Garage, Driveway, On Street, Off Street
  • Number of Spaces in Driveway: 2

Utilities

  • Central Air Conditioning: No
  • Cooling Fuel: Electric
  • Cooling Type: Heat Pump(s), Zoned, Ductless/Mini-Split
  • Heating Fuel: Propane - Owned
  • Heating Type: Radiator
  • Heating: Yes
  • Hot Water: Electric
  • Security: Exterior Cameras
  • Sewer/Septic System: Public Sewer
  • Utilities: Phone Connected, Propane
  • Water Source: Public
  • Internet Services: Broadband

Condo/Co-op/Association

  • Condo Co-Op Association: No
  • HOA: No
  • Senior Community: No
  • Association Recreation Fee: No

Schools

  • Elementary School Source: Listing Agent
  • High School Source: 3rd Party
  • Middle School Source: Listing Agent
  • School District Source: 3rd Party
  • Elementary School: GARNETT
  • High School: KENT COUNTY
  • Middle Or Junior School: CHESTERTOWN

Lot Info

  • Horses: No
  • Additional Parcels: No
  • Lot Features: Corner
  • Lot Size Acres: 0.39
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 16973.00
  • Outdoor Living Structures: Porch(es)
  • Property Condition: Excellent
  • Zoning: R-3
  • In City Limits: Yes

Rental Info

  • Ground Rent Exists: No
  • Pets: No Pet Restrictions
  • Pets Allowed: Yes
  • Vacation Rental: No
  • Property Manager: No

Tax Info

  • Tax Annual Amount: 18947.00
  • Assessor Parcel Number: 1504011554
  • Tax Lot: 1552
  • County Tax Payment Frequency: Annually
  • Tax Data Updated: No
  • Tax Year: 2024

MLS Schools

  • School District Name: KENT COUNTY PUBLIC SCHOOLS

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Jun 21, 2023
Closed on
Oct 16, 2024
Sold by
Austrian Sheila West
Bought by
Glover Sidney L and Nelson Susan D
Seller's Agent
Nancy McGuire
Maryland Heritage Properties
Buyer's Agent
Barbara Watkins
Benson & Mangold, LLC
List Price
$1,900,000
Sold Price
$1,362,500
Premium/Discount to List
-$537,500
-28.29%
Views
864
Current Estimated Value
$1,629,337

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$266,837
Avg. Annual Appreciation
16.67%
Original Mortgage
$1,000,000
Outstanding Balance
$989,487
Interest Rate
6.35%
Mortgage Type
New Conventional
Estimated Equity
$639,850

Purchase Details

Closed on
Oct 25, 2017
Sold by
Austrian Sheila West and The Sheila West Austrian Revoc
Bought by
Austian Sheila West

Purchase Details

Listed on
May 17, 2011
Closed on
Mar 14, 2012
Sold by
Huber Anthony S and Huber Joel C
Bought by
Austrian Sheila West and Sheila West Asutrian Revocable
Seller's Agent
Lisa Raffetto
Coldwell Banker Chesapeake Real Estate Company
Buyer's Agent
Brook Myers
City Houses, LLC
List Price
$690,000
Sold Price
$525,000
Premium/Discount to List
-$165,000
-23.91%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
8.58%
Original Mortgage
$417,000
Interest Rate
3.88%
Mortgage Type
New Conventional

Purchase Details

Closed on
Oct 22, 2009
Sold by
Huber Thomas W
Bought by
Huber Joel Carl and Capute Charles T
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Buyer Sale Price Title Company
Glover Sidney L $1,362,500 Eastern Shore Title
Glover Sidney L $1,362,500 Eastern Shore Title
Austian Sheila West -- None Available
Austrian Sheila West $525,000 Eastern Shore Title Company
Huber Joel Carl -- --
Source: Public Records

Mortgage History

Date Status Borrower Loan Amount
Open Glover Sidney L $1,000,000
Closed Glover Sidney L $1,000,000
Previous Owner Austrian Sheila West $417,000
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
10/16/2024 10/16/24 Sold $1,362,500 -17.4% $262 / Sq Ft
05/28/2024 05/28/24 Price Changed $1,650,000 -4.3% $318 / Sq Ft
08/27/2023 08/27/23 Price Changed $1,725,000 -9.2% $332 / Sq Ft
06/21/2023 06/21/23 For Sale $1,900,000 +261.9% $366 / Sq Ft
03/14/2012 03/14/12 Sold $525,000 -4.5% $105 / Sq Ft View Prior Sale
10/27/2011 10/27/11 Pending -- -- --
06/26/2011 06/26/11 Price Changed $550,000 -20.3% $110 / Sq Ft
05/17/2011 05/17/11 For Sale $690,000 -- $137 / Sq Ft
Source: Bright MLS

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $20,646 $1,317,400 $511,900 $805,500
2024 $19,797 $1,263,200 $0 $0
2023 $17,983 $1,209,000 $0 $0
2022 $17,983 $1,154,800 $511,900 $642,900
2021 $17,960 $1,150,400 $0 $0
2020 $17,960 $1,146,000 $0 $0
2019 $17,855 $1,141,600 $511,900 $629,700
2018 $17,740 $1,141,600 $511,900 $629,700
2017 $17,170 $1,141,600 $0 $0
2016 -- $1,152,900 $0 $0
2015 $14,768 $1,099,667 $0 $0
2014 $14,768 $1,046,433 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Bright MLS

MLS Number: MDKE2002790

Bright MLS

APN: 04-011554