Worcester County property record for 10604 Pine Needle Rd, Ocean City, MD 21842
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,772 sqft · built 1972 |
| Lot Size | 0.117 acres (5,100 sqft) |
| Owner | Individual Name on File |
| Last Sale | $725,000 (Nov 2021) |
| Tax Bill | $8,770 (2026) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Jan 2018 Transfer + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 10-110890 |
| Primary APN | 10-110890 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,772 sqft Total Area |
| Utility Area | 72 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 5,100 sqft (0.117 acres) |
| Lot Dimensions | 85 ft deep x 60 ft wide |
| View / Lot | Waterfront |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 774 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 110890 |
|---|---|
| Street Address | 10604 PINE NEEDLE RD |
| City | OCEAN CITY |
| State | MD |
| Zip | 21842-4838 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 71 PINE NEEDLE RD PL CAINE KEYS II EXTD |
| Legal Subdivision | CAINE KEYS II |
| Legal Lot Number | 71 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 7, OCEAN CITY |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 950300 |
10604 Pine Needle Rd is owned by an individual who bought it in November 2021.
Source: Worcester County records, as of October 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4512 S CHELSEA LN, BETHESDA, MD 20814-4759 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 19, 2021 | Deed, Transfer · Conventional Mortgage TRUIST BANK |
| Jan 31, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Nov 6, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 19, 2021 · Amount on File |
| Deed Sale | Nov 19, 2021 · Amount on File |
| Prior Sale | Jan 11, 1982 · Amount on File |
| Deed Book / Page | 8233 / 458 |
| Prior Transfer Date | Nov 15, 2021 |
| Prior Transfer Doc | 0082330458 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Nov 19, 2021 |
| Property Address | 10604 PINE NEEDLE RD, OCEAN CITY, MD 21842-4838 |
| Document Number | 0082330458 |
| Book / Page | 8233 / 458 |
| Instrument Date | Nov 15, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4612 S CHELSEA LN, BETHESDA, MD 20814-3718 |
| Document Number | 0008233461 |
|---|---|
| Date | Nov 19, 2021 |
| Instrument | 8233/461 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Jan 31, 2018 |
| Property Address | 10604 PINE NEEDLE RD, OCEAN CITY, MD 21842-4838 |
| Document Number | 0071570053 |
| Book / Page | 007157 / 000053 |
| Instrument Date | Jan 5, 2018 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1105 SUDBROOK PL CROWNSVILLE MD 210321527, CROWNSVILLE, MD 21032-1527 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Nov 6, 2017 |
| Property Address | 10604 PINE NEEDLE RD, OCEAN CITY, MD 21842-4838 |
| Document Number | 0071090408 |
| Book / Page | 007109 / 000408 |
| Instrument Date | Sep 30, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1105 SUDBROOK PL CROWNSVILLE MD 210321527, CROWNSVILLE, MD 21032-1527 |
The 2026 property tax bill for 10604 Pine Needle Rd was $8,770, up 11.8% from the year before.
Source: Worcester County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Municipality | Ocean City Town |
| Unified School District | Worcester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,770.00 (+11.76%) | $647,000 (+12.59%) Land $350,600 Building $296,400 | $647,000 (-) Land $350,600 Building $296,400 |
| 2025 | $7,847.00 | $574,667 | $647,000 Land $350,600 Building $296,400 |
| 2023 | $6,061.00 | $430,000 Land $325,600 Building $104,400 | $430,000 Land $325,600 Building $104,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10604 Pine Needle Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 5.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 306 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1,023 units insured incl. 717 condo units |
| Nearby Flood Claims | 71 (1979–2025) |
| Claims Outside the SFHA | 10 of 71 |
| Most Recent Claim | Apr 2025 · other causes |
| Claims by Event |
|
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.
The area around 10604 Pine Needle Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF OCEAN CITY serves 30,000 people · EPA ID MD0230003 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 5 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.
Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Eastern Shore Communications Fixed Wireless | 100 / 25 |
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