Worcester County property record for 10522 Shady Dr, Berlin, MD 21811
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 2,464 sqft · built 1986 |
| Lot Size | 1.49 acres (64,904 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $650,000 (Sep 2022) |
| Tax Bill | $4,185 (2026) |
| Deeds & Mortgages | Sep 2022 Sale Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-025500 |
| Primary APN | 03-025500 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,464 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 64,904 sqft (1.49 acres) |
| Garage Type | Carport |
| Garage Area | 308 sqft |
| Carport | Carport |
| Carport Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | In-Ground Vinyl Pool |
| Pool Area | 544 sqft |
| Deck Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 025500 |
|---|---|
| Street Address | 10522 SHADY DR |
| City | BERLIN |
| State | MD |
| Zip | 21811-2260 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | LOT 12 1.48 ACS SHADY LANE PL FRIENDSHIP ESTATE |
| Legal Subdivision | FRIENDSHIP ESTATE |
| Legal Lot Number | 12 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 4, WESTERN |
| Census Block Group | 2 |
| Census Block | 2053 |
| Census Tract | 950800 |
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 | 10522 SHADY DR, BERLIN, MD 21811-2260 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 8, 2022 | Deed, Transfer BRIGHT TITLE SERVICES LLC, BRIGHT TTL & STLMT SVCS LLC |
| Apr 24, 2020 | Deed of Trust, Mortgage · VA Mortgage EMBRACE HM LOANS |
| Jul 2, 2019 | Grant Deed, Transfer · VA Mortgage EMBRACE HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 8, 2022 · Amount on Record |
| Deed Sale | Sep 8, 2022 · Amount on Record |
| Prior Sale | Jul 2, 2019 · Amount on Record |
| Deed Book / Page | 8455 / 175 |
| Prior Transfer Date | May 1, 2014 |
| Prior Transfer Doc | 0063620387 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Sep 8, 2022 |
| Property Address | 10522 SHADY DR, BERLIN, MD 21811-2260 |
| Document Number | 0084550175 |
| Book / Page | 8455 / 175 |
| Map Reference | MB 81 FO 56 |
| Instrument Date | Aug 31, 2022 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2022 |
| Title Company | BRIGHT TITLE SERVICES LLC, BRIGHT TTL & STLMT SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10522 SHADY DR, BERLIN, MD 21811-2260 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 10522 SHADY DR, BERLIN, MD 21811-2260 |
| Document Number | 0076540367 |
| Instrument Date | Apr 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2020 |
| Title Company | REAL ESTATE TITLE AND ESCROW, REAL ESTATE TITLE & ESCROW |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10522 SHADY DR BERLIN MD 218112260, BERLIN, MD 21811-2260 |
| Document Number | 0076540367 |
|---|---|
| Date | May 11, 2020 |
| Book Page | 007654/000367 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 10, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Jul 2, 2019 |
| Property Address | 10522 SHADY DR, BERLIN, MD 21811-2260 |
| Document Number | 0074490362 |
| Book / Page | 007449 / 000362 |
| Instrument Date | Jun 28, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2019 |
| Title Company | REAL ESTATE TITLE AND ESCROW, REAL ESTATE TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $370.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10522 SHADY DR BERLIN MD 218112260, BERLIN, MD 21811-2260 |
| Document Number | 74490368 |
|---|---|
| Date | Jul 2, 2019 |
| Book Page | 007449/000368 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2049 |
Source: Worcester County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Unified School District | Worcester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,185.00 (+11.57%) | $447,000 (+31.52%) | $494,100 (+40.05%) Land $82,800 Building $411,300 |
| 2025 | $3,751.00 (+15.34%) | ||
| 2023 | $3,252.00 | $339,867 | $352,800 Land $82,800 Building $270,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 5 (2012–2026) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Jan 2026 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 82% of Maryland |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Choptank Fiber Fiber | 2,500 / 2,500 |
| T-Mobile Fixed Wireless | 100 / 20 |
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