10559 Windmill Rd, Berlin, MD 21811 Property Records

Worcester County property record for 10559 Windmill Rd, Berlin, MD 21811 · Last verified August 2026

Property Summary

Property Type	Rural Home
Details	1 ba · 1,456 sqft · built 1997
Lot Size	8.89 acres (387,248 sqft)
Owner	2 Individual Names on File
Last Sale	$257,000 (May 2018)
Tax Bill	$3,748 (2025)
Deeds & Mortgages	Mar 2020 Line of Credit Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-114759`

Property Details

APN / Parcel Number

Primary APN	`03-114759`
Alternative APN	`114759`

Interior

Full Baths	1 Bath
Units	2 Units
Stories	1 Story
Building Area	1,456 sqft Total Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	387,248 sqft (8.89 acres)
Porch	Slab
Porch Area	156 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	114759
Street Address	10559 WINDMILL RD
City	BERLIN
State	MD
Zip	21811-3266
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOT 2 8.89 ACS WINDMILL RD REV & REASSM LDS HRS OF M BISHOP
Legal Lot Number	2
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	2
Census Block	2020
Census Tract	950900

Owner

Source: Worcester County records · APN 03-114759

Assessment roll updated July 31, 2025 · Last verified August 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 File
Mailing Address	10559 WINDMILL RD, BERLIN, MD 21811-3266
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 09, 2020	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Oct 03, 2019	Deed of Trust, Mortgage · Conventional with PMI NATIONS LNDG
May 01, 2018	Grant Deed, Transfer · Conventional with PMI PRIME LNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 01, 2018 · Amount on Record
Deed Sale	May 01, 2018 · Amount on Record
Prior Sale	Jun 30, 1996 · Amount on Record
Deed Book / Page	7203 / 293
Transfer Doc	0000301951
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	10559 WINDMILL RD, BERLIN, MD 21811-3266
Transaction Type	Mortgage
Record Updated	May 03, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0076100314
Date	Mar 09, 2020
Book Page	7610/314

Lender

Name	MANUFACTURERS & TRADERS 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 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	10559 WINDMILL RD, BERLIN, MD 21811-3266
Document Number	0075100001
Instrument Date	Oct 03, 2019
Transaction Type	Mortgage
Record Updated	Oct 25, 2019
Title Company	OMNI LAND SETTLEMENT CORPORATION, OMNI LAND SETTLEMENT CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10559 WINDMILL RD BERLIN MD 218113266, BERLIN, MD 21811-3266

Mortgage

Document Number	0075100001
Date	Oct 10, 2019
Book Page	007510/000001

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 09, 2049

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WORCESTER MD
Recording Date	May 01, 2018
Property Address	10559 WINDMILL RD, BERLIN, MD 21811-3266
Document Number	0072030293
Book / Page	007203 / 000293
Instrument Date	Apr 24, 2018
Transaction Type	Transfer
Record Updated	May 14, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$257.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10559 WINDMILL RD BERLIN MD 218113266, BERLIN, MD 21811-3266

Mortgage

Document Number	72030297
Date	May 01, 2018
Book Page	007203/000297

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2048

Tax Assessment & Valuation

Source: Worcester County records · Assessment roll updated July 31, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Worcester County
Unified School District	Worcester County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$430,567 (+7.74%)	$461,500 (-) Land $181,300 Building $280,200
2025	$3,748.00 (+21.49%)	$399,633 (+23.94%)	$461,500 (+25.17%) Land $181,300 Building $280,200
2023	$3,085.00	$322,433	$368,700 Land $121,300 Building $247,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (24047C), updated June 4, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240479509002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 19 individual NFIP policies nearby
Nearby Flood Policies	19 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 3,571 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 3 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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