Worcester County property record for 11425 Gum Point Rd, Berlin, MD 21811 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 3,454 sqft · built 2003 |
| Lot Size | 1.56 acres (67,954 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,025,000 (Feb 2024) |
| Tax Bill | $7,880 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Feb 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-146766 |
| Primary APN | 03-146766 |
|---|---|
| Alternative APN |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 3,454 sqft Total Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 67,954 sqft (1.56 acres) |
| Parking Spaces | 5 Parking Spaces |
| Garage Type | Mixed |
| Garage Area | 1,442 sqft Garage |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Shed | 1 Shed |
| Shed Area | 192 sqft Shed |
| Deck Area | 245 sqft Deck |
| Porch | Slab |
| Porch Area | 533 sqft Porch |
| View / Lot | Waterfront |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 146766 |
|---|---|
| Street Address | 11425 GUM POINT RD |
| City | BERLIN |
| State | MD |
| Zip | 21811-3173 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 1.56 ACS N/S GUM POINT RD STEEN ASSOC MIN SUBD |
| Legal Subdivision | STEEN ASSOC MIN SUB |
| Legal Lot Number | 2 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 3, SINEPUXENT |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 951101 |
Source: Worcester County records · APN 03-146766
Assessment roll updated July 31, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 11425 GUM POINT RD, BERLIN, MD 21811-3173 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 04, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LUMINATE BANK |
| Feb 29, 2024 | Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP |
| Oct 23, 2020 | Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 29, 2024 · Amount on Record |
| Deed Sale | Feb 29, 2024 · Amount on Record |
| Prior Sale | Oct 23, 2020 · Amount on Record |
| Deed Book / Page | 8716 / 304 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 11425 GUM POINT RD, BERLIN, MD 21811-3173 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Title Company | CARDINAL STLMTS OF MD LLC |
| Name | Verified Name |
|---|---|
| Address | 11425 GUM POINT RD, BERLIN, MD 21811-3173 |
| Document Number | 0091020454 |
|---|---|
| Date | Mar 04, 2026 |
| Book Page | 9102/454 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55405 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Feb 29, 2024 |
| Property Address | 11425 GUM POINT RD, BERLIN, MD 21811-3173 |
| Document Number | 0087160304 |
| Book / Page | 8716 / 304 |
| Map Reference | MB SVH 161 FO 25 |
| Instrument Date | Feb 09, 2024 |
| Transaction Type | Transfer |
| Record Updated | Mar 18, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 11425 GUM POINT RD, BERLIN, MD 21811-3173 |
| Document Number | 0087160308 |
|---|---|
| Date | Feb 29, 2024 |
| Instrument | 8716-0308 |
| Name | CHURCHILL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Oct 23, 2020 |
| Property Address | 11425 GUM POINT RD, BERLIN, MD 21811-3173 |
| Document Number | 0078090001 |
| Book / Page | 7809 / 1 |
| Map Reference | MB SVH161 FO 25 |
| Instrument Date | Oct 13, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 03, 2022 |
| Title Company | REAL ESTATE TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 7112 LAYTON CT, ELKRIDGE, MD 21075-5566 |
| Document Number | 0000078098 |
|---|---|
| Date | Oct 23, 2020 |
| Instrument | 7809/8 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
Source: Worcester County records · Assessment roll updated July 31, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Unified School District | Worcester County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $924,967 (+9.16%) | $1,002,600 (-) Land $161,400 Building $841,200 | |
| 2025 | $7,880.00 (+9.93%) Homeowner's exemption | $847,333 (+13.12%) | $1,002,600 (+30.26%) Land $161,400 Building $841,200 |
| 2023 | $7,168.00 | $749,033 | $769,700 Land $161,400 Building $608,300 |
Source: FEMA National Flood Hazard Layer, Worcester County (24047C), updated June 4, 2020 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 3% of the US · above 6% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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