103 Prospect Dr, Berlin, MD 21811 Property Records

Worcester County property record for 103 Prospect Dr, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,572 sqft · built 2024
Lot Size	0.257 acres (11,182 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,000 (Apr 2023)
Tax Bill	$6,294 (2026)
Deeds & Mortgages	Jan 2024 Construction Loan Apr 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`03-769101`

Property Details

APN / Parcel Number

Primary APN	`03-769101`
Alternative APN	`769101`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,572 sqft Total Area

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,182 sqft (0.257 acres)
Porch	Slab
Porch Area	144 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	769101
Street Address	103 PROSPECT DR
City	BERLIN
State	MD
Zip	21811-2231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 1 11,182 SQ FT P PROSPECT DRIVE PURNELL CROSSING SOUTH
Legal Lot Number	1
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	3
Census Block	3034
Census Tract	950800

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	2 Individual Names on Record
Mailing Address	102 BAY ST, BERLIN, MD 21811-1235
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2024	Deed of Trust, Mortgage · Construction Mortgage TIDEMARK FCU
Apr 26, 2023	Deed, Transfer OCEAN INVS TITLE CORPOR, OCEAN INVESTMENTS TITLE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2023 · Amount on Record
Deed Sale	Apr 26, 2023 · Amount on Record
Deed Book / Page	8565 / 28
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	103 PROSPECT DR, BERLIN, MD 21811-2231
Transaction Type	Mortgage
Record Updated	Feb 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 PROSPECT DR, BERLIN, MD 21811-2231

Mortgage

Document Number	0087000124
Date	Jan 24, 2024
Book Page	8700/124

Lender

Name	TIDEMARK FCU
Type	Credit Union
Address	SEAFORD, DE 19973

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	369 Months
Due	Oct 18, 2054

Interest

Rate Type	Adjustable Rate
Rate	7%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 18, 2029
Change Frequency	Annually
Min Rate At Change	7%
Max Rate At Change	9%
Index	1-Year CMT
Margin	3
Max Rate	13%

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Apr 26, 2023
Property Address	103 PROSPECT DR, BERLIN, MD 21811-2231
Document Number	0085650028
Book / Page	8565 / 28
Map Reference	MB SRB 246 FO 52
Instrument Date	Apr 24, 2023
Transaction Type	Transfer
Record Updated	May 17, 2023
Title Company	OCEAN INVS TITLE CORPOR, OCEAN INVESTMENTS TITLE CORP

Transaction

Amount	Amount Recorded
Tax	$425.00
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	102 BAY ST, BERLIN, MD 21811-1235

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	$6,294.00 (+5.52%)	$360,133 (+5.53%)	$379,000 (-) Land $86,400 Building $292,600
2025	$5,965.00 (+362.04%)	$341,267 (+371.36%)	$379,000 (+423.48%) Land $86,400 Building $292,600
2023	$1,291.00	$72,400 Land $72,400	$72,400 Land $72,400

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	0.01% annual chance
Exposure	Direct burnable vegetation

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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