105 Cedar Ave, Berlin, MD 21811 Property Records

Worcester County property record for 105 Cedar Ave, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,806 sqft · built 1974
Lot Size	0.366 acres (15,950 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Sep 2004)
Tax Bill	$5,134 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Jul 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-031519`

Property Details

APN / Parcel Number

Primary APN	`03-031519`
Alternative APN	`031519`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,806 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,950 sqft (0.366 acres)
Lot Depth	1 ft Depth
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Deck Area	294 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	031519
Street Address	105 CEDAR AVE
City	BERLIN
State	MD
Zip	21811-1138
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	15950.89 SQ FT N SIDE CEDAR AVE BERLIN
Legal Subdivision	WOODLAND PARK
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1024
Census Tract	951000

Owner

Source: Worcester County records, as of August 18, 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	105 CEDAR AVE, BERLIN, MD 21811-1138
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Jul 22, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jul 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2004 · Amount on Record
Deed Sale	Sep 16, 2004 · Amount on Record
Prior Sale	Mar 19, 1996 · Amount on Record
Deed Document Number	2004351440
Deed Book / Page	4243 / 388
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	105 CEDAR AVE, BERLIN, MD 21811-1138
Transaction Type	Mortgage
Record Updated	Jan 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 CEDAR AVE, BERLIN, MD 21811-1138
Investor	Possibly a Property Investor

Mortgage

Document Number	0086880281
Date	Dec 28, 2023
Book Page	8688/281

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	105 CEDAR AVE, BERLIN, MD 21811-1138
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0074590196
Date	Jul 22, 2019
Book Page	7459/196

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	105 CEDAR AVE, BERLIN, MD 21811-1138
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081160189
Date	Jul 15, 2021
Book Page	8116/189

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2031
Change Frequency	Monthly
Min Rate At Change	2.75%
Max Rate At Change	7.12%
Index	Other
Max Rate	7.12%

Tax Assessment & Valuation

Source: Worcester County assessment roll, as of July 31, 2025

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		$413,767 (+37.83%)	$460,800 (+44.14%) Land $106,300 Building $354,500
2025	$5,134.00 (+6.8%) Homeowner's exemption
2023	$4,807.00 Homeowner's exemption	$300,200	$319,700 Land $106,300 Building $213,400

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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 174 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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