Worcester County property record for 115 Pine Tree Rd, Ocean City, MD 21842
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,560 sqft · built 2003 |
| Lot Size | 0.083 acres (3,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $410,000 (Jun 2013) |
| Tax Bill | $9,186 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-190991 |
| Primary APN | 10-190991 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,560 sqft Total Area |
| Utility Area | 40 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 3,600 sqft (0.083 acres) |
| Lot Dimensions | 90 ft deep x 40 ft wide |
| View / Lot | Waterfront |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 108 sqft |
| Deck Area | 108 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 190991 |
|---|---|
| Street Address | 115 PINE TREE RD |
| City | OCEAN CITY |
| State | MD |
| Zip | 21842-4645 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TR |
| Legal Description | LOT 1207 SEC 1 PINE TREE RD PL MONTEGO BAY MOB HM PK |
| Legal Subdivision | MONTEGO BAY MHP |
| Legal Lot Number | 1338B |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 7, OCEAN CITY |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 950300 |
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 | 2703 MERCER DR, BALDWIN, MD 21013-9515 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 21, 2013 · Amount on Record |
| Deed Sale | Jun 21, 2013 · Amount on Record |
| Prior Sale | Jul 30, 2002 · Amount on Record |
| Deed Book / Page | 6182 / 88 |
| Prior Transfer Date | Jan 10, 2011 |
| Prior Transfer Doc | 0056110001 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 115 PINE TREE RD, OCEAN CITY, MD 21842-4645 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | MARVEL TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0080040381 |
|---|---|
| Date | Apr 8, 2021 |
| Book Page | 8004/381 |
| Name | ABERDEEN PROVING GROUND FCU |
|---|---|
| Type | Credit Union |
| Address | ABERDEEN, MD 21001 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 237 Months |
| Due | Jan 1, 2041 |
Source: Worcester County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Municipality | Ocean City Town |
| Unified School District | Worcester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,186.00 (+11.67%) | $677,700 (+5%) Land $335,000 Building $342,700 | $677,700 (+5%) Land $335,000 Building $342,700 |
| 2025 | $8,226.00 (+29.18%) | ||
| 2023 | $6,368.00 | $451,800 Land $232,000 Building $219,800 | $451,800 Land $232,000 Building $219,800 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 346 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 497 units insured incl. 151 condo units |
| Nearby Flood Claims | 93 (1982–2023) |
| Claims Outside the SFHA | 14 of 93 |
| Most Recent Claim | Jan 2023 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.5% 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 | TOWN OF OCEAN CITY serves 30,000 people · EPA ID MD0230003 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 5 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 592 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Eastern Shore Communications.
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