101 S Main St, Berlin, MD 21811 Property Records

Worcester County property record for 101 S Main St, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,732 sqft · built 1832
Lot Size	0.496 acres (21,584 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Oct 2018)
Tax Bill	$7,959 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-030652`

Property Details

APN / Parcel Number

Primary APN	`03-030652`
Alternative APN	`030652`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,732 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1832
Effective Year Built	Effective 1832
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	21,584 sqft (0.496 acres)
Lot Dimensions	2 ft deep x 1 ft wide
Garage Type	Detached
Garage Area	744 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	480 sqft
Porch	Slab
Porch Area	112 sqft
Deck Area	72 sqft
Patio Area	546 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	030652
Street Address	101 S MAIN ST
City	BERLIN
State	MD
Zip	21811-1401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	H-1
Legal Description	PARCEL A S MAIN & CHURCH ST PLAT KENWOOD
Legal Subdivision	KENWOOD
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1062
Census Tract	951000

Owner

Source: Worcester County records, as of October 6, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	101 S MAIN ST, BERLIN, MD 21811-1401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
Oct 29, 2018	Grant Deed, Transfer · Conventional with PMI EMBRACE HM LOANS
Jul 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2018 · Amount on Record
Deed Sale	Oct 29, 2018 · Amount on Record
Prior Sale	Jan 19, 2000 · Amount on Record
Deed Book / Page	7311 / 75
Prior Transfer Date	Jul 12, 2013
Prior Transfer Doc	0062190054
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	101 S MAIN ST, BERLIN, MD 21811-1401
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	EQUITY NATIONAL TITLE AND CLOSING, EQUITY NATIONAL TITLE & CLOS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080200161
Date	Apr 22, 2021
Book Page	8020/161

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WORCESTER MD
Recording Date	Oct 29, 2018
Property Address	101 S MAIN ST, BERLIN, MD 21811-1401
Document Number	0073110075
Book / Page	007311 / 000075
Instrument Date	Oct 12, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2018
Title Company	MID-ATLANTIC SETTLEMENT SERVICES, MID-ATLANTIC SETTLEMENT SVC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	101 S MAIN ST BERLIN MD 218111401, BERLIN, MD 21811-1401

Mortgage

Document Number	73110080
Date	Oct 29, 2018
Book Page	007311/000080

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2048

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	101 S MAIN ST, BERLIN, MD 21811-1401
Document Number	0072610107
Instrument Date	Jul 30, 2018
Transaction Type	Mortgage
Record Updated	Aug 15, 2018
Title Company	REAL ESTATE TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 S MAIN ST BERLIN MD 218111401, BERLIN, MD 21811-1401

Mortgage

Document Number	0072610107
Date	Aug 3, 2018
Book Page	007261/000107

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2048

Tax Assessment & Valuation

Source: Worcester County assessment roll, as of October 6, 2026

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	$7,959.00 (+2.83%) Homeowner's exemption	$531,667 (+5.59%)	$559,800 (-) Land $111,900 Building $447,900
2025	$7,740.00 (+6.36%) Homeowner's exemption	$503,533 (+13.94%)	$559,800 (+17.75%) Land $111,900 Building $447,900
2023	$7,277.00 Homeowner's exemption	$441,933	$475,400 Land $111,900 Building $363,500

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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