Chestertown Homes under $400,000

Chestertown Homes under $400,000

Welcome to Chestertown, Maryland, a charming riverside town that beautifully marries history with modern living. Nestled along the banks of the Chester River, this picturesque community is known for its vibrant arts scene, historic architecture, and a warm, welcoming atmosphere. With a population of just over 5,000, Chestertown offers a small-town feel while still providing access to urban amenities.

The heart of Chestertown is its historic downtown area, where you can stroll along cobblestone streets lined with unique shops, galleries, and cafes. The town is also home to Washington College, which adds a youthful energy and a variety of cultural events throughout the year. Whether you’re enjoying the annual Chestertown Tea Party Festival or taking a leisurely kayak trip on the river, there’s always something happening in this lively community.

For those looking to make Chestertown their home, the real estate market offers a delightful selection of homes under $400,000. From charming historic properties with character to modern townhouses that cater to today’s lifestyles, there’s something for everyone. These homes provide an excellent opportunity to invest in a community that values both heritage and progress.

Living in Chestertown means embracing a lifestyle that celebrates nature, community, and creativity. With its affordable housing options, rich history, and a strong sense of community, Chestertown is not just a place to live; it’s a place to thrive. Explore the homes available today and discover why so many are drawn to this enchanting Maryland town!

Newest Chestertown Homes under $400,000

234 N Kent St, Chestertown
$325,000
5 Beds ⋅ 2 Baths
Some houses are finished. This one is full of opportunity. Built circa 1920, this Victorian sits in one of Downtown Chestertown's most desirable neighborhoods — and it's waiting for someone who can see what it is meant to become. The hard work and the expensive work have already been done: new cedar siding, blown-in insulation, and original hardwood floors throughout. What remains is the fun part. The kitchen and baths are a genuine blank slate, ready for your design, your finishes, your vision. And the bones… remarkable. Solid construction, generous proportions, and historic detail at every turn — the kind of craftsmanship that simply isn't built anymore, and can't be bought back once it's gone. Start with a house of real character and your renovation adds value instead of merely keeping up. Upstairs, five generous bedroom and two full baths. A rare third-floor primary suite offers space and privacy set apart from the rest of the home — a true owner's retreat, a guest wing, or a quiet work-from-home floor of its own. Outside, a fully fenced backyard is ready for pets, play, and entertaining, a large shed could easily become a garage, studio, or workshop. The driveway provides off-street parking, a definite bonus for Chestertown. And the location is the whole point. You're roughly three blocks from everything Chestertown offers — the shops, restaurants and galleries along High Street, the Chester River waterfront, the farmers market, and the historic charm of one of the Eastern Shore's best-loved small towns. Bring your contractor, or be your own. Come see the possibility.

234 N Kent St, Chestertown

Listing courtesy of TTR Sotheby's International Realty. Contact:

8820 Cumberland St, Chestertown
$312,500
3 Beds ⋅ 2 Baths
Discover relaxed Eastern Shore living at 8820 Cumberland Street, a charming three-bedroom, two-full-bath home offering the ease and convenience of single-level living in the peaceful water-privileged community of Tolchester Beach. Built in 2006, this inviting residence combines a comfortable floor plan, desirable outdoor space, and an attached two-car garage with a setting that encourages you to slow down and enjoy the best of Maryland's Eastern Shore. The thoughtfully designed interior provides an easy flow for everyday living, with three well-proportioned bedrooms and two full baths all conveniently located on one level. Whether you're entertaining, working from home, or simply enjoying a quiet evening, the home's practical layout offers flexibility for a variety of lifestyles. Step outside to the rear deck, where a wooded backdrop creates a tranquil setting for morning coffee, outdoor dining, or relaxing at the end of the day. The surrounding natural scenery adds a welcome sense of privacy and peacefulness. The community's water-oriented amenities add to the appeal, with opportunities to enjoy the community beach, fishing, local marina, and the laid-back lifestyle that makes the Eastern Shore so desirable. Ideally positioned between historic Chestertown and waterfront Rock Hall, the home places shopping, dining, marinas, boating, and local recreation within convenient reach. Whether you're seeking a full-time residence, weekend retreat, or low-maintenance Eastern Shore escape, 8820 Cumberland Street offers an appealing blend of comfort, convenience, and coastal lifestyle. This property is being sold as-is, property is lender-owned and U.S. Bank National Association is making no representations or warranties. U.S. Bank National Association may have financing options available.

8820 Cumberland St, Chestertown

Listing courtesy of RE/MAX Advantage Realty. Contact:

103 Metcalf Rd, Chestertown
$259,900
3 Beds ⋅ 3 Baths
Ask about our SELLER-PAID RATE BUYDOWN — the builder is paying to permanently lower your interest rate when you finance with our preferred lender, who is also contributing toward your closing costs. The result: a dramatically lower monthly payment on a brand-new home, saving you well over a hundred dollars every month — even more on lower-down-payment financing. This is real payment relief in today's market — often the difference between watching and owning. Brand-new construction in the heart of Chestertown. Buydown applies with use of preferred lender; see agent for details. Brand new home in Historic Chestertown available for move-in now. This home features luxury vinyl plank flooring throughout, a spacious living room, eat-in kitchen with white shaker cabinets, granite countertops, and stainless steel appliances, plus a covered patio off the kitchen for outdoor enjoyment. Upstairs you’ll find generously sized bedrooms including a large primary suite with walk-in closet and private bath. Additional highlights include exclusive financing opportunities with zero down payment loans, paid closing cost programs, and discounted interest rates—making it possible to own this home for less than area rents. Delivered at the asking price as shown in the photos, this home combines modern style, comfort, and convenience in one of Chestertown’s most historic locations. Ask about Special Financing Offers and how to get $7,500 or more in closing help from the builder's preferred lender and on select models, while they last!

103 Metcalf Rd, Chestertown

Listing courtesy of Real Broker, LLC - Chester. Contact:

104 Lincoln Dr, Chestertown
$285,000
3 Beds ⋅ 1 Baths
**OPEN HOUSE Saturday October 3rd 10AM-12PM** This adorable rancher combines a fresh, updated interior with plenty of outdoor space to enjoy. Come step inside to a bright and welcoming home filled with natural light, LVP flooring and a modern, neutral color palette that flows throughout. The crisp white kitchen keeps things light and timeless, while the spacious living room offers plenty of room to relax, gather and make the space your own. Three comfortably sized bedrooms provide flexibility for sleeping, working from home or creating a dedicated hobby space. The updated full bathroom continues the fresh aesthetic with tile flooring and a coordinating white vanity. Even the everyday necessities have been thoughtfully considered with a dedicated laundry closet featuring a full-size washer and dryer plus shelving for additional storage. Outside, the large corner lot gives you room to spread out without sacrificing that familiar neighborhood feel. Step through the rear entry onto the newer paver patio, perfect for grilling, outdoor dining or relaxing while overlooking the playset and backyard. Vinyl privacy fencing, a storage shed, long driveway and plenty of usable outdoor space round out the property. With main level living, thoughtful updates and neighborhood vibes without the community HOA, this home offers an easy, comfortable lifestyle with plenty of opportunity to make it your own.

104 Lincoln Dr, Chestertown

Listing courtesy of RE/MAX Executive. Contact:

23208 Buck Neck Rd, Chestertown
$349,900
3 Beds ⋅ 3 Baths
SELLER-PAID PERMANENT RATE BUYDOWN available on this brand-new home. The builder is buying down your interest rate — and the preferred lender is adding a credit toward closing costs — to put a significantly lower monthly payment within reach, saving you hundreds of dollars a month for the life of your loan. In a market where every point matters, this is a rare chance to own new construction at a payment that actually works. Quality finishes, modern systems, and a builder-backed warranty throughout. Buydown applies when financing with the preferred lender; contact agent for full details. Brand new construction in Chesapeake Landing, and the primary suite is on the main level — full bath, walk-in closet, no stairs at the end of the day. That one detail is what most buyers spend months searching for and rarely find at this price. Roughly 1,600 square feet, laid out so the main floor handles everything: an open living room, a kitchen with shaker cabinets, granite counters and stainless steel appliances, plus laundry and a half bath. Luxury vinyl plank runs throughout — the kind of floor that still looks right after wet boat shoes and muddy paws. Upstairs, two additional bedrooms share a full bath. Guests, an office, a hobby room — tucked away from the main living space so the first floor stays yours. The lot is a third of an acre with a private driveway, giving you real yard on all sides rather than a strip of grass between neighbors. Chesapeake Landing is a waterfront community with a clubhouse, walking trails and community water access. Membership in the community association is voluntary and carries a modest annual fee. Historic Chestertown — the shops, the restaurants, the riverfront — is a short drive away. Everything here is new. New systems, new surfaces, new appliances. Nothing deferred, nothing to renovate, nothing waiting to break in year two. Schedule your private tour today. Photos are of a previously built and sold home in the area and are shown for representation only. Exact finishes, colors, and features of this home may differ.

23208 Buck Neck Rd, Chestertown

Listing courtesy of Real Broker, LLC - Chester. Contact:

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