115 Ann Ct, Berlin, MD 21811 Property Records

Worcester County property record for 115 Ann Ct, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,140 sqft · built 2003
Lot Size	0.373 acres (16,268 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Sep 2023)
Tax Bill	$7,696 (2026)
Deeds & Mortgages	Oct 2023 Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-127869`

Property Details

APN / Parcel Number

Primary APN	`03-127869`
Alternative APN	`127869`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,140 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	16,268 sqft (0.373 acres)
Garage Type	Attached
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	360 sqft
Deck Area	130 sqft
Shed	1 Shed
Shed Area	720 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	127869
Street Address	115 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 37 16268 SQ FT ANN DRIVE HENRY'S GREEN
Legal Subdivision	HENRYS GREEN
Legal Lot Number	37
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	3
Census Block	3039
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	115 ANN CT, BERLIN, MD 21811-1119
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2023	Deed of Trust, Mortgage · Conventional Mortgage BAYSHORE MORTGAGE FUNDING LLC
Sep 5, 2023	Deed, Transfer · Conventional Mortgage BAYSHORE MORTGAGE FUNDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2023 · Amount on Record
Deed Sale	Sep 5, 2023 · Amount on Record
Prior Sale	Oct 29, 2009 · Amount on Record
Deed Book / Page	8632 / 107
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	115 ANN CT, BERLIN, MD 21811-1119
Transaction Type	Mortgage
Record Updated	Nov 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 CHURCH ST, BERLIN, MD 21811-1209

Mortgage

Document Number	0086570394
Date	Oct 25, 2023
Book Page	8657/394

Lender

Name	BAYSHORE MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	EDGEWOOD, MD 21040

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2053

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Sep 5, 2023
Property Address	115 ANN CT, BERLIN, MD 21811-1119
Document Number	0086320107
Book / Page	8632 / 107
Map Reference	MB 162 FO 44
Instrument Date	Aug 31, 2023
Transaction Type	Transfer
Record Updated	Sep 20, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,700.00
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

Mortgage

Document Number	0086320112
Date	Sep 5, 2023
Instrument	8632-0112

Lender

Name	BAYSHORE MORTGAGE FUNDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

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	$7,696.00 (+18.35%)	$440,733 (+18.36%)	$509,100 (-) Land $91,500 Building $417,600
2025	$6,503.00 (+20.94%)	$372,367 (+23.57%)	$509,100 (+67.47%) Land $91,500 Building $417,600
2023	$5,377.00	$301,333	$304,000 Land $91,500 Building $212,500

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 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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