Having spent summers on nearby Little Cranberry Island, Kate moved from Baltimore to the Mount Desert Island area in 1993 and married Bar Harbor native Courtney Chaplin soon after. Kate is a graduate of Davidson College with a BA in English. Her early careers include teaching for The Stony Brook School and Oldfields School, and a brief stint with Windswept Publishing House in Somesville. She started working at The Knowles Company as office manager in 1994, then transitioned to the rental office and became a rental agent in 1996. After a hiatus to raise her family, Kate returned full-time to the rentals office in 2011, bringing a wealth of rentals experience, local knowledge, and love for the area.
She and Courtney and their three children make their home on Islesford, which means she takes the mail boat to and from work every day. Kate serves on the Northeast Harbor Library Scholarship Committee as well as the School Board for the Town of Cranberry Isles and is involved with a variety of other island organizations and activities.