118 Cedar Ave, Berlin, MD 21811 Property Records

Worcester County property record for 118 Cedar Ave, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,764 sqft · built 1954
Lot Size	0.417 acres (18,165 sqft)
Owner	2 Individual Names on Record
Last Sale	$625,000 (Dec 2025)
Tax Bill	$7,712 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-031802`

Property Details

APN / Parcel Number

Primary APN	`03-031802`
Alternative APN	`031802`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,764 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	18,165 sqft (0.417 acres)
Lot Dimensions	1 ft deep x 1 ft wide
Garage Type	Attached
Garage Area	896 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	448 sqft
Shed	1 Shed
Shed Area	504 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	031802
Street Address	118 CEDAR AVE
City	BERLIN
State	MD
Zip	21811-1136
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOTS 54 55 56 70 71 & 72 - 118 CEDAR AVE PLAT 2 WOODLAND PARK
Legal Subdivision	WOODLAND PARK 02
Legal Lot Number	54,56
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1025
Census Tract	951000

Owner

Source: Worcester County records, as of August 18, 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	118 CEDAR AVE, BERLIN, MD 21811-1136
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2023	Deed of Trust, Mortgage · Commercial Mortgage SHORE UNITED BANK NA
Dec 30, 2025	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 30, 2021	Intrafamily Transfer, Transfer · Stand-Alone First Mortgage BANK OF OCEAN CITY
Apr 13, 2018	Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2025 · Amount on Record
Deed Sale	Dec 30, 2025 · Amount on Record
Prior Sale	Apr 13, 2018 · Amount on Record
Deed Book / Page	9066 / 154
Prior Transfer Date	Mar 10, 2021
Prior Transfer Doc	0079880072
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	118 CEDAR AVE, BERLIN, MD 21811-1136
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0085180371
Date	Jan 18, 2023
Book Page	8518/371

Lender

Name	SHORE UNITED BANK NA
Type	Bank
Address	OCEAN CITY, MD 21842

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Dec 30, 2025
Property Address	118 CEDAR AVE, BERLIN, MD 21811-1136
Document Number	0090660154
Book / Page	9066 / 154
Instrument Date	Dec 17, 2025
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	UNKNOWN, CARDINAL STLMTS OF MD LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,125.00
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
Address	118 CEDAR AVE, BERLIN, MD 21811-1136

Mortgage

Document Number	0009066161
Date	Dec 30, 2025
Instrument	9066/161

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WORCESTER MD
Recording Date	Mar 30, 2021
Property Address	118 CEDAR AVE, BERLIN, MD 21811-1136
Document Number	0079880072
Book / Page	7988 / 72
Map Reference	MB CWN 1 FO 21
Instrument Date	Mar 10, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 CEDAR AVE, BERLIN, MD 21811-1136

Mortgage

Document Number	0000798877
Date	Mar 30, 2021
Instrument	7988/77

Lender

Name	BANK OF OCEAN CITY
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Apr 13, 2018
Property Address	118 CEDAR AVE, BERLIN, MD 21811-1136
Document Number	0071930106
Book / Page	7193 / 106
Map Reference	LB CWN24 FO585
Instrument Date	Apr 10, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,605.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 CEDAR AVE, BERLIN, MD 21811-1136

Mortgage

Document Number	0007193112
Date	Apr 13, 2018
Instrument	7193/112

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

Source: Worcester County assessment roll, as of July 31, 2025

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		$488,267 (+10.56%)	$534,900 (-) Land $106,600 Building $428,300
2025	$7,712.00 (+16.76%)	$441,633 (+19.31%)	$534,900 (+35.42%) Land $106,600 Building $428,300
2023	$6,605.00	$370,167	$395,000 Land $106,600 Building $288,400

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 24 individual policies
Nearby Flood Policies	27 units insured incl. 3 condo units
Nearby Flood Claims	13 (1992–2020)
Claims Outside the SFHA	12 of 13
Most Recent Claim	Jul 2020 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 3 claims

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 279 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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