10 Windswept Dr, Berlin, MD 21811 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,456 sqft · built 2004
Lot Size	0.142 acres (6,196 sqft)
Owner	2 Individual Names on File
Last Sale	$385,777 (Jul 2026)
Tax Bill	$3,093 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`10-385385`

Property Details

APN / Parcel Number

Primary APN	`10-385385`
Alternative APN	`385385`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,456 sqft Total Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,196 sqft (0.142 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	80 sqft
Deck Area	50 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	385385
Street Address	10 WINDSWEPT DR
City	BERLIN
State	MD
Zip	21811-2718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	LOT 431 6196 SQ FT BAY VISTA ESTATES PH 1 MYSTIC HARBOUR SEC 4
Legal Subdivision	BAY VISTA ESTATES
Legal Phase	1
Legal Lot Number	431
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1017
Census Tract	951700

Owner

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

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 File
Mailing Address	10 WINDSWEPT DR, BERLIN, MD 21811-2718
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 21, 2026 · Amount on Record
Deed Sale	Jul 21, 2026 · Amount on Record
Prior Sale	Jul 30, 2002 · Amount on Record
Deed Document Number	2026
Deed Book / Page	9186 / 381
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Jul 21, 2026
Property Address	10 WINDSWEPT DR, BERLIN, MD 21811-2718
Document Number	9186000381
Book / Page	9186 / 381
Instrument Date	Jul 17, 2026
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$38,963.78
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10 WINDSWEPT DR, BERLIN, MD 21811-2718

Mortgage

Document Number	9186000390,
Date	Jul 21, 2026
Book Page	9186/390

Lender

Name	LUMINATE HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$363,067 (+8.35%)	$419,000 (+25.04%) Land $110,000 Building $309,000
2025	$3,093.00 (+12.02%)	$335,100 (+16.13%) Land $110,000 Building $225,100	$335,100 (-) Land $110,000 Building $225,100
2023	$2,761.00	$288,567	$335,100 Land $110,000 Building $225,100

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 271 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	274 units insured incl. 3 condo units
Nearby Flood Claims	107 (1991–2012)
Claims Outside the SFHA	4 of 107
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Hurricane Sandy, Oct 2012 · 15 claims Hurricane Isabel, Sep 2003 · 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Drinking Water

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

Water System	MYSTIC HARBOUR serves 5,945 people · EPA ID MD0230011
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 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 400 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	1,000 / 75
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T.

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