109 Ann Ct, Berlin, MD 21811 Property Records

Worcester County property record for 109 Ann Ct, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,332 sqft · built 2001
Lot Size	0.474 acres (20,626 sqft)
Owner	Individual Name on File
Last Sale	$225,500 (Mar 2013)
Tax Bill	$6,031 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-127834`

Property Details

APN / Parcel Number

Primary APN	`03-127834`
Alternative APN	`127834`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,332 sqft Total Area
Utility Area	241 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,626 sqft (0.474 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Patio Area	446 sqft
Shed	1 Shed
Shed Area	144 sqft
Gazebo	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	127834
Street Address	109 ANN CT
City	BERLIN
State	MD
Zip	21811-1119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 34 20626 SQ FT ANN CT HENRY'S GREEN
Legal Subdivision	BERLIN ACRES
Legal Lot Number	34
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	3
Census Block	3039
Census Tract	950800

Owner

109 Ann Ct is owned and occupied by an individual who bought it in March 2013.

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 File
Mailing Address	109 ANN CT, BERLIN, MD 21811-1119
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
May 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage INTERCONTINENTAL CAPITAL GROUP INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2013 · Amount on File
Deed Sale	Mar 27, 2013 · Amount on File
Prior Sale	Jun 21, 2001 · Amount on File
Deed Book / Page	6111 / 227
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	109 ANN CT, BERLIN, MD 21811-1119
Transaction Type	Mortgage
Record Updated	Oct 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 ANN CT, BERLIN, MD 21811-1119

Mortgage

Document Number	0086390006
Date	Sep 15, 2023
Book Page	8639/6

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Sep 13, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	109 ANN CT, BERLIN, MD 21811-1119
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	NATIONWIDE TITLE CLEARING INC, NATIONWIDE TTL CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080420182
Date	May 7, 2021
Book Page	8042/182

Lender

Name	INTERCONTINENTAL CAPITAL GROUP INC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 109 Ann Ct was $6,031 with a homeowner's exemption, up 3.1% from the year before.

Source: Worcester County assessment roll, as of October 6, 2026

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	$6,031.00 (+3.08%) Homeowner's exemption	$431,333	$484,900 Land $95,300 Building $389,600
2025	$5,851.00 Homeowner's exemption
2023	$5,612.00 Homeowner's exemption	$320,500	$324,200 Land $95,300 Building $228,900

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

Flood

FEMA maps place 109 Ann Ct in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2003.

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 File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	6 (2003–2017)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Aug 2017

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

Wildfire risk around 109 Ann Ct is low, with a 0.01% annual chance of 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	Direct burnable vegetation

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 103 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

May also be available: Choptank Fiber, Verizon.

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