10 Westminster Dr, Berlin, MD 21811 Property Records

Worcester County property record for 10 Westminster Dr, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,731 sqft · built 1996
Lot Size	0.284 acres (12,388 sqft)
Owner	2 Individual Names on Record
Last Sale	$229,000 (Nov 2015)
Tax Bill	$4,926 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-134199`

Property Details

APN / Parcel Number

Primary APN	`03-134199`
Alternative APN	`134199`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,731 sqft Total Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,388 sqft (0.284 acres)
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	134199
Street Address	10 WESTMINSTER DR
City	BERLIN
State	MD
Zip	21811-2970
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 10 12388.0 SQ FT WESTMINSTER DRIVE PL BUCKINGHAM ESTATES PH 2
Legal Subdivision	BUCKINGHAM ESTATES
Legal Phase	2
Legal Lot Number	10
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1050
Census Tract	951000

Owner

Source: Worcester County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10 WESTMINSTER DR, BERLIN, MD 21811-2970
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage AVEX FUNDING CORP
Apr 21, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 21, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Feb 17, 2022	Intrafamily Transfer, Transfer TITLE 365, TITLE365

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2015 · Amount on Record
Deed Sale	Nov 16, 2015 · Amount on Record
Prior Sale	Dec 16, 2010 · Amount on Record
Deed Book / Page	6670 / 299
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	10 WESTMINSTER DR, BERLIN, MD 21811-2970
Transaction Type	Mortgage
Record Updated	Sep 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0084960412
Date	Nov 21, 2022
Book Page	8496/412

Lender

Name	AVEX FUNDING CORP
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	165 Months
Due	Aug 1, 2036

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	10 WESTMINSTER DR, BERLIN, MD 21811-2970
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080170301
Date	Apr 21, 2021
Book Page	8017/301

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2051

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	10 WESTMINSTER DR, BERLIN, MD 21811-2970
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 WESTMINSTER DR, BERLIN, MD 21811-2970

Mortgage

Document Number	0083390037
Date	Mar 21, 2022
Book Page	8339/37

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Feb 28, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WORCESTER MD
Recording Date	Feb 17, 2022
Property Address	10 WESTMINSTER DR, BERLIN, MD 21811-2970
Document Number	0083130306
Book / Page	8313 / 306
Map Reference	MB RHO 137 FO 39
Instrument Date	Jul 1, 2021
Transaction Type	Transfer
Record Updated	Nov 1, 2022
Title Company	TITLE 365, TITLE365

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10 WESTMINSTER DR, BERLIN, MD 21811-2970

Tax Assessment & Valuation

Source: Worcester County assessment roll, as of July 31, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Worcester County
Municipality	Berlin Town
Unified School District	Worcester County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$424,067 (+41.12%)	$470,000 (+41.48%) Land $106,000 Building $364,000
2025	$4,926.00 (+6.88%) Homeowner's exemption
2023	$4,609.00 Homeowner's exemption	$300,500	$332,200 Land $106,000 Building $226,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 24 individual policies
Nearby Flood Policies	27 units insured incl. 3 condo units
Nearby Flood Claims	13 (1992–2020)
Claims Outside the SFHA	12 of 13
Most Recent Claim	Jul 2020 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 73% of Maryland
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF BERLIN serves 4,500 people · EPA ID MD0230001
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	5 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Choptank Fiber, T-Mobile.

Nearby Properties on Westminster Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures