Worcester County property record for 109 Spinnaker Ln, Berlin, MD 21811
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 748 sqft · built 2005 |
| Lot Size | 0.052 acres (2,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $135,000 (Aug 2019) |
| Tax Bill | $1,647 (2026) |
| Deeds & Mortgages | Aug 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-118444 |
| Primary APN | 03-118444 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 748 sqft Total Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,250 sqft (0.052 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 118444 |
|---|---|
| Street Address | 109 SPINNAKER LN |
| City | BERLIN |
| State | MD |
| Zip | 21811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | LOT 109 PH 1 SEC 1 SPINNAKER LANE PL WHITE HORSE PARK |
| Legal Subdivision | WHITE HORSE PARK |
| Legal Phase | 1 |
| Legal Lot Number | 109 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 6, NORTHERN |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 950700 |
109 Spinnaker Ln is owned by an individual who bought it in August 2019.
Source: Worcester County records, as of October 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3737 BALTIMORE PIKE, LITTLESTOWN, PA 17340-9530 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 7, 2019 · Amount on File |
| Deed Sale | Aug 7, 2019 · Amount on File |
| Prior Sale | Jun 30, 2003 · Amount on File |
| Deed Book / Page | 7469 / 164 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Aug 7, 2019 |
| Property Address | 109 SPINNAKER LN, BERLIN, MD 21811 |
| Document Number | 0074690164 |
| Book / Page | 007469 / 000164 |
| Instrument Date | Jul 19, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2019 |
| Title Company | MIDATLANTIC SETTLEMENT SERVICES LL, MIDATLANTIC SETTLEMENT SVCS LL |
| Amount | Amount on Record |
|---|---|
| Tax | $135.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 3737 BALTIMORE PIKE LITTLESTOWN PA 173409530, LITTLESTOWN, PA 17340-9530 |
The 2026 property tax bill for 109 Spinnaker Ln was $1,647, up 15.2% from the year before.
Source: Worcester County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Unified School District | Worcester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,647.00 (+15.17%) | $178,500 | $202,100 Land $74,000 Building $128,100 |
| 2025 | $1,430.00 | ||
| 2023 | $1,238.00 | $129,400 | $131,300 Land $63,000 Building $68,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Spinnaker Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 155 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 155 in force |
| Nearby Flood Claims | 26 (1985–2024) |
| Claims Outside the SFHA | 14 of 26 |
| Most Recent Claim | Sep 2024 · 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.
Wildfire risk around 109 Spinnaker Ln is low, with less than 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 98% of the US · lower than 96% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | OCEAN PINES serves 11,890 people · EPA ID MD0230005 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 602 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable · Fiber in parts of the area | 2,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Xfinity.
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