104 Esham Ave, Berlin, MD 21811 Property Records

Worcester County property record for 104 Esham Ave, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,248 sqft · built 1962
Lot Size	0.258 acres (11,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (May 2023)
Tax Bill	$4,508 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-036650`

Property Details

APN / Parcel Number

Primary APN	`03-036650`
Alternative APN	`036650`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,248 sqft Total Area

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,250 sqft (0.258 acres)
Lot Depth	1 ft Depth
Deck Area	252 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	036650
Street Address	104 ESHAM AVE
City	BERLIN
State	MD
Zip	21811-1419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	75 X 150 W SIDE 104 ESHAM AVE BERLIN
Legal Subdivision	FRANKLINS KNOLL
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	3
Census Block	3038
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	104 ESHAM AVE, BERLIN, MD 21811-1419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2023	Deed, Transfer · Conventional Mortgage GEORGE MASON MORTGAGE LLC
Aug 28, 2020	Deed, Transfer · FHA Mortgage EMBRACE HOME LOANS INC
May 4, 2017	Deed, Transfer · Conventional Mortgage PNC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2023 · Amount on Record
Deed Sale	May 10, 2023 · Amount on Record
Prior Sale	Aug 28, 2020 · Amount on Record
Deed Book / Page	8571 / 435
Record Updated	Oct 29, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	May 10, 2023
Property Address	104 ESHAM AVE, BERLIN, MD 21811-1419
Document Number	0085710435
Book / Page	8571 / 435
Instrument Date	May 8, 2023
Transaction Type	Transfer
Record Updated	May 26, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$850.00
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	104 ESHAM AVE, BERLIN, MD 21811-1419

Mortgage

Document Number	0085710441
Date	May 10, 2023
Instrument	8571-0441

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Aug 28, 2020
Property Address	104 ESHAM AVE, BERLIN, MD 21811-1419
Document Number	0077550447
Book / Page	7755 / 447
Instrument Date	Aug 14, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	REAL ESTATE TITLE & ESCROW

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	104 ESHAM AVE, BERLIN, MD 21811-1419

Mortgage

Document Number	0007755454
Date	Aug 28, 2020
Instrument	7755/454

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	May 4, 2017
Property Address	104 ESHAM AVE, BERLIN, MD 21811-1419
Document Number	0069900220
Book / Page	6990 / 220
Instrument Date	Apr 21, 2017
Instrument	6990-220
Transaction Type	Transfer
Record Updated	Aug 16, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,849.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 ESHAM AVE, BERLIN, MD 21811-1419

Mortgage

Document Number	6990226
Date	May 4, 2017
Instrument	6990-226

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

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	$4,508.00 (+3.04%) Homeowner's exemption	$303,333 (+42.19%)	$335,000 (+39.58%) Land $86,500 Building $248,500
2025	$4,375.00 (+14.95%) Homeowner's exemption
2023	$3,806.00	$213,333	$240,000 Land $86,500 Building $153,500

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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