12 Riverside Ct, Berlin, MD 21811 Property Records

Worcester County property record for 12 Riverside Ct, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,624 sqft · built 1990
Lot Size	0.168 acres (7,311 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (May 2014)
Tax Bill	$5,064 (2026)
Deeds & Mortgages	May 2021 Mortgage Jun 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`03-062236`

Property Details

APN / Parcel Number

Primary APN	`03-062236`
Alternative APN	`062236`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,624 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,311 sqft (0.168 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	238 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	062236
Street Address	12 RIVERSIDE CT
City	BERLIN
State	MD
Zip	21811-1519
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT C-04-266 7311 SQ FT RIVERSIDE CT PL OCEAN PINES SEC 4
Legal Subdivision	OCEAN PINES SEC 04
Legal Lot Number	266
Jurisdiction	WORCESTER MD
Township / Civil Division	6, NORTHERN
Census Block Group	1
Census Block	1001
Census Tract	950600

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	Individual Name on Record
Mailing Address	807 GAITHER RD, ROCKVILLE, MD 20850-5969
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
Jun 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2014 · Amount on Record
Deed Sale	May 15, 2014 · Amount on Record
Deed Book / Page	6367 / 408
Prior Transfer Date	Oct 8, 2012
Prior Transfer Doc	0059940395
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	12 RIVERSIDE CT, OCEAN PINES, MD 21811-1519
Transaction Type	Mortgage
Record Updated	Jun 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080510453
Date	May 14, 2021
Book Page	8051/453

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2036

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	12 RIVERSIDE CT, OCEAN PINES, MD 21811-1519
Document Number	0077730382
Instrument Date	Jun 4, 2020
Transaction Type	Mortgage
Record Updated	Oct 6, 2020
Title Company	FREESTATE TITLE CNSLTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 RIVERSIDE CT BERLIN MD 218111519, BERLIN, MD 21811-1519

Mortgage

Document Number	0077730382
Date	Sep 18, 2020
Book Page	007773/000382

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 17, 2035

Tax Assessment & Valuation

Source: Worcester County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Worcester County
Unified School District	Worcester County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,064.00 (+5.5%)	$548,733 (+5.51%)	$577,400 (-) Land $301,700 Building $275,700
2025	$4,800.00 (+4.05%)	$520,067 (+7.88%)	$577,400 (+17.5%) Land $301,700 Building $275,700
2023	$4,613.00	$482,067	$491,400 Land $301,700 Building $189,700

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 351 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	388 units insured incl. 37 condo units
Nearby Flood Claims	78 (1978–2021)
Claims Outside the SFHA	13 of 78
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 7 claims Hurricane Isabel, Sep 2003 · 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	Not rated no burnable land within ember reach

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	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

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 467 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

Cell Coverage

5G (outdoors only) and 4G LTE

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