103 S Main St, Berlin, MD 21811 Property Records

Worcester County property record for 103 S Main St, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,124 sqft · built 1900
Lot Size	0.442 acres (19,262 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Feb 2014)
Tax Bill	$8,200 (2026)
Deeds & Mortgages	Jun 2020 Line of Credit Oct 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-030598`

Property Details

APN / Parcel Number

Primary APN	`03-030598`
Alternative APN	`030598`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,124 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	19,262 sqft (0.442 acres)
Lot Depth	2 ft Depth
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	504 sqft
Porch	Slab
Porch Area	290 sqft
Deck Area	580 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	030598
Street Address	103 S MAIN ST
City	BERLIN
State	MD
Zip	21811-1401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	H-1
Legal Description	19262 SQ FT E SIDE 1O3 S MAIN ST JOAN DEELEY LOC SURVEY
Legal Subdivision	DAELEY JOAN H PROP SURV
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1062
Census Tract	951000

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	103 S MAIN ST, BERLIN, MD 21811-1401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2020	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS BANK & TRUST CO
Oct 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2014 · Amount on Record
Deed Sale	Feb 21, 2014 · Amount on Record
Prior Sale	Apr 22, 1998
Deed Book / Page	6325 / 186
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	103 S MAIN ST, BERLIN, MD 21811-1401
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	RGS TITLE LLC MATS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0076850127
Date	Jun 19, 2020
Book Page	7685/127

Lender

Name	MANUFACTURERS BANK & TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	103 S MAIN ST, BERLIN, MD 21811-1401
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0084730080
Date	Oct 11, 2022
Book Page	8473/80

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	May 1, 2052

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	$8,200.00 (+10.66%)	$469,567 (+35.18%)	$514,800 (+35.8%) Land $111,700 Building $403,100
2025	$7,410.00 (+19.55%)
2023	$6,198.00	$347,367	$379,100 Land $111,700 Building $267,400

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 24 individual policies
Nearby Flood Policies	27 units insured incl. 3 condo units
Nearby Flood Claims	13 (1992–2020)
Claims Outside the SFHA	12 of 13
Most Recent Claim	Jul 2020 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 3 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

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 299 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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