103 Esham Ave, Berlin, MD 21811 Property Records

Worcester County property record for 103 Esham Ave, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,256 sqft · built 1963
Lot Size	0.218 acres (9,500 sqft)
Owner	Individual Name on Record
Last Sale	$209,000 (Jul 2019)
Tax Bill	$2,932 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-027422`

Property Details

APN / Parcel Number

Primary APN	`03-027422`
Alternative APN	`027422`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,256 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	9,500 sqft (0.218 acres)
Lot Depth	1 ft Depth
Garage Type	Attached
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	160 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	027422
Street Address	103 ESHAM AVE
City	BERLIN
State	MD
Zip	21811-1418
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	95 6 X 1OO X E SIDE 1O3 ESHAM AVE BERLIN
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	3
Census Block	3039
Census Tract	950800

Owner

Source: Worcester County records, as of October 9, 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	103 ESHAM AVE, BERLIN, MD 21811-1418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 26, 2019	Deed, Transfer · Conventional Mortgage RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2019 · Amount on Record
Deed Sale	Jul 26, 2019 · Amount on Record
Deed Book / Page	7462 / 7
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	103 ESHAM AVE, BERLIN, MD 21811-1418
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0082370412
Date	Nov 24, 2021
Book Page	8237/412

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Aug 1, 2051

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Jul 26, 2019
Property Address	103 ESHAM AVE, BERLIN, MD 21811-1418
Document Number	0074620007
Book / Page	7462 / 007
Instrument Date	Jul 24, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	DBA REAL ESTATE T&E

Transaction

Amount	Amount Recorded
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 in Severalty
Address	103 ESHAM AVE, BERLIN, MD 21811-1418

Mortgage

Document Number	0000746212
Date	Jul 26, 2019
Instrument	7462/12

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

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	$2,932.00 (+3.2%) Homeowner's exemption	$254,533 (+40.52%)	$280,900 (+39.2%) Land $84,300 Building $196,600
2025	$2,841.00 (+6.93%) Homeowner's exemption
2023	$2,657.00 Homeowner's exemption	$181,133	$201,800 Land $84,300 Building $117,500

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 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	6 (2003–2017)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Aug 2017

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 193 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: AT&T, Verizon.

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