Worcester County property record for 10620 Pine Needle Rd, Ocean City, MD 21842
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,485 sqft · built 1977 |
| Lot Size | 0.117 acres (5,100 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,774 (2026) |
| Deeds & Mortgages | Sep 2017 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 10-108322 |
| Primary APN | 10-108322 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,485 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| 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) |
|---|---|
| Porch | Slab |
| Porch Area | 307 sqft |
| Deck Area | 200 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 108322 |
|---|---|
| Street Address | 10620 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 63 E SIDE PINE NEEDLE RD PL CAINE KEYS II EXTD |
| Legal Subdivision | CAINE KEYS II EXTENDED |
| Legal Lot Number | 63 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 7, OCEAN CITY |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 950300 |
Source: Worcester County records, as of October 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 10620 PINE NEEDLE RD, OCEAN CITY, MD 21842-4838 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 7, 2016 |
| Transfer Doc | 0067500292 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 10620 PINE NEEDLE RD, OCEAN CITY, MD 21842-4838 |
| Document Number | 0071100135 |
| Instrument Date | Sep 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2020 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 10620 PINE NEEDLE RD OCEAN CITY MD 218424838, OCEAN CITY, MD 21842-4838 |
| Document Number | 0071100135 |
|---|---|
| Date | Nov 6, 2017 |
| Book Page | 007110/000135 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 5, 2047 |
| Rate Type | Adjustable Rate |
|---|
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 | $5,774.00 (+0.33%) Homeowner's exemption | $609,600 (+11.95%) Land $350,600 Building $259,000 | $609,600 (-) Land $350,600 Building $259,000 |
| 2025 | $5,755.00 (+2.22%) Homeowner's exemption | $544,533 (+31.4%) | $609,600 (+47.1%) Land $350,600 Building $259,000 |
| 2023 | $5,630.00 Homeowner's exemption | $414,400 Land $325,600 Building $88,800 | $414,400 Land $325,600 Building $88,800 |
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 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 Record 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.
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 363 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
| Eastern Shore Communications Fixed Wireless | 100 / 25 |
May also be available: T-Mobile.
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures