Worcester County property record for 10909 Emory Dr, Berlin, MD 21811
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 4,946 sqft · built 2019 |
| Lot Size | 0.691 acres (30,121 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $118,000 (Feb 2018) |
| Tax Bill | $7,093 (2026) |
| Deeds & Mortgages | Oct 2019 Mortgage Mar 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-166767 |
| Primary APN | 03-166767 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 4,946 sqft Total Area |
| Utility Area | 414 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 30,121 sqft (0.691 acres) |
| Garage Type | Attached |
| Garage Area | 882 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Patio Area | 252 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 166767 |
|---|---|
| Street Address | 10909 EMORY DR |
| City | BERLIN |
| State | MD |
| Zip | 21811-3314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 5 30121 SQFT PENNINGTON PL PENNINGTON COM REC PL |
| Legal Subdivision | PENNINGTON COMMONS |
| Legal Lot Number | 5 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 3, SINEPUXENT |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 950900 |
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 | 10909 EMORY DR, BERLIN, MD 21811-3314 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE NTWK |
| Mar 6, 2019 | Deed of Trust, Mortgage MORTGAGE NTWK |
| Aug 31, 2018 | Trustee's Deed, Construction Loan · Line of Credit BANK OF DEL MAR VA |
| Feb 22, 2018 | Grant Deed, Transfer DELMARVA TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 22, 2018 · Amount on Record |
| Deed Sale | Feb 22, 2018 · Amount on Record |
| Prior Sale | Jul 29, 2014 · Amount on Record |
| Deed Book / Page | 7166 / 245 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 10909 EMORY DR, BERLIN, MD 21811-3314 |
| Document Number | 0075360116 |
| Instrument Date | Oct 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2019 |
| Title Company | DELMARVA TITLE |
| Name | Verified Name |
|---|---|
| Address | 10909 EMORY DR BERLIN MD 218113314, BERLIN, MD 21811-3314 |
| Document Number | 0075360116 |
|---|---|
| Date | Nov 15, 2019 |
| Book Page | 007536/000116 |
| Name | MORTGAGE NTWK |
|---|---|
| Type | Mortgage Company |
| Address | DANVERS, MA 01923 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 14, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 10909 EMORY DR, BERLIN, MD 21811-3314 |
| Document Number | 0073790412 |
| Instrument Date | Mar 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2019 |
| Title Company | DELMARVA TITLE |
| Name | Verified Name |
|---|---|
| Address | 10909 EMORY DR BERLIN MD 21811, BERLIN, MD 21811 |
| Document Number | 0073790412 |
|---|---|
| Date | Mar 15, 2019 |
| Book Page | 007379/000412 |
| Name | MORTGAGE NTWK |
|---|---|
| Type | Mortgage Company |
| Address | DANVERS, MA 01923 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Mar 14, 2034 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Aug 31, 2018 |
| Property Address | 10909 EMORY DR, BERLIN, MD 21811-3314 |
| Document Number | 0072760476 |
| Book / Page | 007276 / 000476 |
| Instrument Date | Aug 16, 2018 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 12, 2018 |
| Title Company | DELMARVA TITLE |
| Name | Verified Name |
|---|---|
| Address | 420 E NORTH POINTE DR #142 SALISBURY MD 218042347, 142, SALISBURY, MD 21804-2347 |
| Document Number | 72760476 |
|---|---|
| Date | Aug 31, 2018 |
| Book Page | 007276/000476 |
| Name | BANK OF DEL MAR VA |
|---|---|
| Type | Bank |
| Address | SALISBURY, MD 21801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Aug 30, 2019 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Feb 22, 2018 |
| Property Address | 10909 EMORY DR, BERLIN, MD 21811-3314 |
| Document Number | 0071660245 |
| Book / Page | 007166 / 000245 |
| Instrument Date | Feb 14, 2018 |
| Transaction Type | Transfer |
| Record Updated | Mar 5, 2018 |
| Title Company | DELMARVA TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $118.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 420 E NORTH POINTE DR SALISBURY MD 218042338, SALISBURY, MD 21804-2338 |
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 | $7,093.00 (+1.07%) Homeowner's exemption | $867,233 (+19.14%) | $934,400 (+27.49%) Land $160,800 Building $773,600 |
| 2025 | $7,018.00 (+0.75%) Homeowner's exemption | ||
| 2023 | $6,966.00 Homeowner's exemption | $727,900 | $732,900 Land $129,000 Building $603,900 |
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 X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 19 policies |
| Nearby Flood Policies | 19 in force |
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 | Low lower than 94% of the US · lower than 89% 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.
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 285 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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