10122 North Ave, Ocean City, MD 21842 Property Records

Worcester County property record for 10122 North Ave, Ocean City, MD 21842

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,100 sqft · built 1988
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$45,000 (Sep 1987)
Tax Bill	$4,029 (2026)
Deeds & Mortgages	Nov 2019 Mortgage Nov 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`10-310903`

Property Details

APN / Parcel Number

Primary APN	`10-310903`
Alternative APN	`310903`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,100 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,000 sqft (0.138 acres)
View / Lot	Waterfront
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	300 sqft
Deck Area	230 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	310903
Street Address	10122 NORTH AVE
City	OCEAN CITY
State	MD
Zip	21842-9708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 15A BLK C NORTH AVE RESUB LOT 15 16 17 PL 4 ELLIOTTS DEV
Legal Block	C
Legal Lot Number	15,17
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	3
Census Block	3003
Census Tract	950400

Owner

10122 North Ave is owned and occupied by an individual who bought it in September 1987.

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

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 1125, OCEAN CITY, MD 21843-1125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Nov 24, 2019	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 1987 · Amount on File
Deed Sale	Sep 3, 1987 · Amount on File
Deed Book / Page	1355 / 406
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	10122 NORTH AVE, OCEAN CITY, MD 21842-9708
Document Number	0075540117
Instrument Date	Nov 24, 2019
Transaction Type	Mortgage
Record Updated	Dec 30, 2019
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10122 NORTH AVE OCEAN CITY MD 218429708, OCEAN CITY, MD 21842-9708

Mortgage

Document Number	0075540117
Date	Dec 11, 2019
Book Page	007554/000117

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	948 Months
Due	Dec 10, 2098

Interest

Rate Type	Adjustable Rate
Rate	4.46%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	10122 NORTH AVE, OCEAN CITY, MD 21842-9708
Document Number	0075540137
Instrument Date	Nov 24, 2019
Transaction Type	Mortgage
Record Updated	Dec 30, 2019
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10122 NORTH AVE OCEAN CITY MD 218429708, OCEAN CITY, MD 21842-9708

Mortgage

Document Number	0075540137
Date	Dec 11, 2019
Book Page	007554/000137

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	948 Months
Due	Dec 10, 2098

Interest

Rate Type	Adjustable Rate
Rate	4.46%

Tax Assessment & Valuation

The 2026 property tax bill for 10122 North Ave was $4,029 with a homeowner's exemption, down 0.3% 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	$4,029.00 (-0.27%) Homeowner's exemption	$538,000 Land $285,000 Building $253,000	$538,000 Land $285,000 Building $253,000
2025	$4,040.00 Homeowner's exemption
2023	$3,909.00 Homeowner's exemption	$485,167	$547,500 Land $302,500 Building $245,000

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

Flood

FEMA maps place 10122 North Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 171 individual policies
Nearby Flood Policies	206 units insured incl. 35 condo units
Nearby Flood Claims	9 (1998–2021)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Oct 2021 · tidal / storm surge
Claims by Event	Hurricane Sandy, Oct 2012 · 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 10122 North Ave 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 94% of the US · lower than 89% 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	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 120 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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