12 Westminster Dr, Berlin, MD 21811 Property Records

Worcester County property record for 12 Westminster Dr, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,003 sqft · built 1996
Lot Size	0.22 acres (9,596 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (Mar 2023)
Tax Bill	$5,457 (2026)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-134210`

Property Details

APN / Parcel Number

Primary APN	`03-134210`
Alternative APN	`134210`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,003 sqft Total Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,596 sqft (0.22 acres)
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	134210
Street Address	12 WESTMINSTER DR
City	BERLIN
State	MD
Zip	21811-2970
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 12 9596.8 SQ FT WESTMINSTER DRIVE PL BUCKINGHAM ESTATES PH 2
Legal Subdivision	BUCKINGHAM ESTATES
Legal Phase	2
Legal Lot Number	12
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1050
Census Tract	951000

Owner

12 Westminster Dr is owned and occupied by an individual who bought it in March 2023.

Source: Worcester County records, as of October 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	12 WESTMINSTER DR, BERLIN, MD 21811-2970
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2023	Deed, Transfer · Conventional Mortgage LOWER LLC
Feb 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jul 3, 2019	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Jul 13, 2017	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2023 · Amount on File
Deed Sale	Mar 27, 2023 · Amount on File
Prior Sale	Jul 3, 2019 · Amount on File
Deed Book / Page	8548 / 336
Prior Transfer Date	Jun 26, 2007
Prior Transfer Doc	0049650324
Record Updated	Oct 29, 2026

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Mar 27, 2023
Property Address	12 WESTMINSTER DR, BERLIN, MD 21811-2970
Document Number	0085480336
Book / Page	8548 / 336
Map Reference	MB 137 FO 39
Instrument Date	Mar 14, 2023
Transaction Type	Transfer
Record Updated	May 1, 2023
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,675.00
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 in Severalty
Address	12 WESTMINSTER DR, BERLIN, MD 21811-2970

Mortgage

Document Number	0085480343
Date	Mar 27, 2023
Instrument	8548-0343

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	12 WESTMINSTER DR, BERLIN, MD 21811-2970
Transaction Type	Mortgage
Record Updated	Nov 1, 2022
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0083060397
Date	Feb 8, 2022
Book Page	8306/397

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2037
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.37%
Index	1-Year LIBOR
Max Rate	7.37%

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WORCESTER MD
Recording Date	Jul 3, 2019
Property Address	12 WESTMINSTER DR, BERLIN, MD 21811-2970
Document Number	0074500328
Book / Page	007450 / 000328
Instrument Date	Jul 1, 2019
Transaction Type	Transfer
Record Updated	Jul 16, 2019
Title Company	MARYLAND TITLE SERVICES CORPORATION, MARYLAND TITLE SVC CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 WESTMINSTER DR BERLIN MD 218112970, BERLIN, MD 21811-2970

Mortgage

Document Number	74500334
Date	Jul 3, 2019
Book Page	007450/000334

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.25%

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Jul 13, 2017
Property Address	12 WESTMINSTER DR, BERLIN, MD 21811-2970
Document Number	0070380131
Book / Page	7038 / 131
Map Reference	MB RHO137 FO39
Instrument Date	Jun 30, 2017
Instrument	7038-131
Transaction Type	Transfer
Record Updated	Nov 1, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	12 WESTMINSTER DR, BERLIN, MD 21811-2970

Mortgage

Document Number	0007038139
Date	Jul 13, 2017
Instrument	7038-139

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 12 Westminster Dr was $5,457, up 15.3% from the year before.

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	$5,457.00 (+15.32%)	$312,500 (+15.31%)	$354,000 (-) Land $103,500 Building $250,500
2025	$4,732.00	$271,000	$354,000 Land $103,500 Building $250,500
2023	$3,925.00	$219,967	$229,500 Land $103,500 Building $126,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12 Westminster Dr in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1992.

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 File 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

Wildfire risk around 12 Westminster Dr is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	None beyond 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	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 299 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: Verizon.

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