101 White Horse Dr, Berlin, MD 21811 Property Records

Worcester County property record for 101 White Horse Dr, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,056 sqft · built 1979
Lot Size	0.235 acres (10,221 sqft)
Owner	2 Individual Names on File
Last Sale	$359,000 (Jan 2024)
Tax Bill	$2,097 (2026)
Deeds & Mortgages	May 2026 Mortgage Jan 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-092232`

Property Details

APN / Parcel Number

Primary APN	`03-092232`
Alternative APN	`092232`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,056 sqft Total Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,221 sqft (0.235 acres)
Deck Area	208 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	092232
Street Address	101 WHITE HORSE DR
City	BERLIN
State	MD
Zip	21811-1611
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT B-02-330 10221 SQ FT WHITE HORSE DRIVE PL OCEAN PINES SEC 2
Legal Subdivision	OCEAN PINES SEC 02
Legal Lot Number	330
Jurisdiction	WORCESTER MD
Township / Civil Division	6, NORTHERN
Census Block Group	2
Census Block	2022
Census Tract	950700

Owner

101 White Horse Dr is owned and occupied by two individuals who bought it in January 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	101 WHITE HORSE DR, BERLIN, MD 21811-1611
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC
Jan 11, 2024	Deed, Transfer · VA Mortgage MERIDIAN BANK
May 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage GEORGE MASON MORTGAGE LLC
Dec 22, 2021	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2024 · Amount on File
Deed Sale	Jan 11, 2024 · Amount on File
Prior Sale	Dec 22, 2021 · Amount on File
Deed Book / Page	8694 / 376
Prior Transfer Date	Dec 21, 2023
Prior Transfer Doc	0086940376
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Recording Date	May 11, 2026
Property Address	101 WHITE HORSE DR, BERLIN, MD 21811-1611
Document Number	9145000040
Book / Page	9145 / 40
Instrument Date	May 6, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	AVENUE 365 LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	101 WHITE HORSE DR, BERLIN, MD 21811-1611

Mortgage

Document Number	9145000040,
Date	May 11, 2026
Book Page	9145/40

Lender

Name	NEWREZ LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Jan 11, 2024
Property Address	101 WHITE HORSE DR, OCEAN PINES, MD 21811-1611
Document Number	0086940376
Book / Page	8694 / 376
Map Reference	MB 11 FO 24
Instrument Date	Dec 21, 2023
Transaction Type	Transfer
Record Updated	Jan 24, 2024
Title Company	NOT AVAILABLE, MID ATLANTIC STLMT SVCS LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,795.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	101 WHITE HORSE DR, OCEAN PINES, MD 21811-1611

Mortgage

Document Number	0086940380
Date	Jan 11, 2024
Instrument	8694-0380

Lender

Name	MERIDIAN BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2054

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	101 WHITE HORSE DR, OCEAN PINES, MD 21811-1611
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	STRATFORD TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080470038
Date	May 12, 2021
Book Page	8047/38

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Dec 22, 2021
Property Address	101 WHITE HORSE DR, OCEAN PINES, MD 21811-1611
Document Number	0082650491
Book / Page	8265 / 491
Map Reference	MB FWH11 FO 24
Instrument Date	Dec 3, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	NOT AVAILABLE, BRENNAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	101 WHITE HORSE DR, BERLIN, MD 21811-1611

Mortgage

Document Number	0008265497
Date	Dec 22, 2021
Instrument	8265/497

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 101 White Horse Dr was $2,097 with a homeowner's exemption, up 1.3% from the year before.

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

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	$2,097.00 (+1.3%) Homeowner's exemption	$287,200 (+14.15%)	$322,800 (-) Land $93,700 Building $229,100
2025	$2,070.00 Homeowner's exemption	$251,600	$322,800 Land $93,700 Building $229,100
2023	$1,840.00	$192,367	$216,000 Land $82,400 Building $133,600

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

Flood

FEMA maps place 101 White Horse Dr in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1985.

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 File median of 60 policies
Nearby Flood Policies	60 in force
Nearby Flood Claims	26 (1985–2015)
Claims Outside the SFHA	15 of 26
Most Recent Claim	Oct 2015 · tidal / storm surge
Claims by Event	Severe Snowfall & Winter Storm, Mar 1993 · 2 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

Wildfire risk around 101 White Horse Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	Under 0.01% 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	OCEAN PINES serves 11,890 people · EPA ID MD0230005
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	3 ppb (2021–2023) 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 338 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	2,000 / 1,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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