Worcester County property record for 102 White Sail Cir, Ocean Pines, MD 21811
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,476 sqft · built 2001 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $349,900 (Oct 2005) |
| Tax Bill | $3,264 (2026) |
| Deeds & Mortgages | Feb 2018 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 03-091783 |
| Primary APN | 03-091783 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,476 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,500 sqft (0.172 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 431 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 168 sqft |
| Deck Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 091783 |
|---|---|
| Street Address | 102 WHITE SAIL CIR |
| City | BERLIN |
| State | MD |
| Zip | 21811-1513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT B-01-696 7500 SQ FT WHITE SAIL CR PL OCEAN PINES SEC 1 |
| Legal Subdivision | OCEAN PINES SEC 01 |
| Legal Lot Number | 696 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 6, NORTHERN |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 950700 |
102 White Sail Cir is owned by two individuals who bought it in October 2005.
Source: Worcester County records, as of October 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5109 BAY PKWY, HUNTINGTOWN, MD 20639-9337 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 19, 2005 · Amount on File |
| Deed Sale | Oct 19, 2005 · Amount on File |
| Prior Sale | Aug 24, 2000 · Amount on File |
| Deed Document Number | 2005358497 |
| Deed Book / Page | 4559 / 321 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 102 WHITE SAIL CIR, OCEAN PINES, MD 21811-1513 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | DUNNS TITLE & ESCROW INC |
| Name | Verified Name |
|---|
| Document Number | 0071610382 |
|---|---|
| Date | Feb 9, 2018 |
| Book Page | 7161/382 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | NOTTINGHAM, MD 21236 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 1, 2033 |
The 2026 property tax bill for 102 White Sail Cir was $3,264, up 8.4% from the year before.
Source: Worcester County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Unified School District | Worcester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,264.00 (+8.44%) | $353,633 | $381,100 Land $80,500 Building $300,600 |
| 2025 | $3,010.00 | ||
| 2023 | $2,699.00 | $282,100 | $298,700 Land $80,500 Building $218,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 102 White Sail Cir in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 155 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 155 in force |
| Nearby Flood Claims | 26 (1985–2024) |
| Claims Outside the SFHA | 14 of 26 |
| Most Recent Claim | Sep 2024 · other causes |
| Claims by Event |
|
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 risk around 102 White Sail Cir 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 99.1% of the US · lower than 98.5% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 540 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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