109 Prospect Dr, Berlin, MD 21811 Property Records

Worcester County property record for 109 Prospect Dr, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,349 sqft · built 2019
Lot Size	0.241 acres (10,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Apr 2024)
Tax Bill	$7,504 (2026)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-769103`

Property Details

APN / Parcel Number

Primary APN	`03-769103`
Alternative APN	`769103`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,349 sqft Total Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,500 sqft (0.241 acres)
Garage Type	Attached
Garage Area	402 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	769103
Street Address	109 PROSPECT DR
City	BERLIN
State	MD
Zip	21811-2231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 3 10,500 SQ FT P PROSPECT DRIVE PURNELL CROSSING SOUTH N
Legal Subdivision	PURNELL CROSSING SOUTH PHASE II NEW TWON
Legal Lot Number	3
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	3
Census Block	3034
Census Tract	950800

Owner

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	109 PROSPECT DR, BERLIN, MD 21811-2231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2024	Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Dec 1, 2020	Grant Deed, Transfer · Conventional Mortgage CAPITAL CITY HM LNS LLC
May 6, 2019	Deed, Transfer · Commercial Mortgage ESSEX BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2024 · Amount on Record
Deed Sale	Apr 19, 2024 · Amount on Record
Prior Sale	Dec 1, 2020 · Amount on Record
Deed Book / Page	8742 / 229
Record Updated	Oct 29, 2026

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Apr 19, 2024
Property Address	109 PROSPECT DR, BERLIN, MD 21811-2231
Document Number	0087420229
Book / Page	8742 / 229
Map Reference	MB 246 FO 52
Instrument Date	Apr 15, 2024
Transaction Type	Transfer
Record Updated	May 8, 2024
Title Company	NOT AVAILABLE, MID ATLANTIC STLMT SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	109 PROSPECT DR, BERLIN, MD 21811-2231

Mortgage

Document Number	0087420235
Date	Apr 19, 2024
Instrument	8742-0235

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WORCESTER MD
Recording Date	Dec 1, 2020
Property Address	109 PROSPECT DR, BERLIN, MD 21811-2231
Document Number	0078510161
Book / Page	007851 / 000161
Instrument Date	Nov 25, 2020
Transaction Type	Transfer
Record Updated	Dec 11, 2020
Title Company	OCEAN INVS TITLE CORPORATION, OCEAN INVS TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
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	109 PROSPECT DR BERLIN MD 218112231, BERLIN, MD 21811-2231

Mortgage

Document Number	78510167
Date	Dec 1, 2020
Book Page	007851/000167

Lender

Name	CAPITAL CITY HM LNS LLC
Address	LAWRENCEVILLE, GA 30043

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 30, 2050

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	May 6, 2019
Property Address	109 PROSPECT DR, BERLIN, MD 21811-2231
Document Number	0074110440
Book / Page	7411 / 440
Map Reference	MB SRB 246 FO 52
Instrument Date	May 1, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	OCEAN INVESTMENTS TTL CORP

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16255 SUSSEX HWY, BRIDGEVILLE, DE 19933-2968
Investor	Possibly a Property Investor

Mortgage

Document Number	0007411445
Date	May 6, 2019
Instrument	7411/445

Lender

Name	ESSEX BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$7,504.00 (+6.42%)	$429,400 (+14.46%)	$455,300 (+20.58%) Land $85,800 Building $369,500
2025	$7,051.00 (+5.33%)
2023	$6,694.00 Homeowner's exemption	$375,167	$377,600 Land $85,800 Building $291,800

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

Flood

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 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

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 193 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: AT&T, Verizon.

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