12147 Snug Harbor Rd, Berlin, MD 21811 Property Records

Worcester County property record for 12147 Snug Harbor Rd, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,240 sqft · built 2006
Lot Size	0.155 acres (6,749 sqft)
Owner	2 Trust Names on File
Last Sale	$487,645 (Mar 2007)
Tax Bill	$3,524 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Mar 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-442664`

Property Details

APN / Parcel Number

Primary APN	`10-442664`
Alternative APN	`442664`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,240 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,749 sqft (0.155 acres)
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	442664
Street Address	12147 SNUG HARBOR RD
City	BERLIN
State	MD
Zip	21811-2690
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 104 6749 SQ FT E/S RT 611 SNUG HARBOR BAYSIDE AT THE LANDINGS
Legal Lot Number	104
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1032
Census Tract	951700

Owner

12147 Snug Harbor Rd is owner-occupied and held in a trust since February 2021.

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

Owner of Record	2 Trust Names on File
Mailing Address	5701 JANNEYS MILL CIR, HAYMARKET, VA 20169-6197
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOME SAVINGS & TRUST MORTGAGE
Mar 10, 2021	Intrafamily Transfer, Transfer
Feb 4, 2019	Quit Claim Deed, Transfer POTOMAC SETTLEMENT SERVICES INC, POTOMAC SETTLEMENT SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2007 · Amount on File
Deed Sale	Mar 26, 2007 · Amount on File
Deed Document Number	2007363954
Deed Book / Page	4895 / 263
Last Transfer Date	Feb 25, 2021
Transfer Doc	0079630416
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	12147 SNUG HARBOR RD, BERLIN, MD 21811-2690
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	CHAMPION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0082970085
Date	Jan 26, 2022
Book Page	8297/85

Lender

Name	HOME SAVINGS & TRUST MORTGAGE
Type	Bank
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WORCESTER MD
Recording Date	Mar 10, 2021
Property Address	12147 SNUG HARBOR RD, BERLIN, MD 21811-2690
Document Number	0079630416
Book / Page	7963 / 416
Map Reference	MB SVH196 FO 60
Instrument Date	Feb 25, 2021
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	5701 JANNEYS MILL CIR, HAYMARKET, VA 20169-6197

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MD
Recording Date	Feb 4, 2019
Property Address	12147 SNUG HARBOR RD, BERLIN, MD 21811-2690
Document Number	0073590417
Book / Page	007359 / 000417
Instrument Date	Nov 9, 2018
Transaction Type	Transfer
Record Updated	Feb 14, 2019
Title Company	POTOMAC SETTLEMENT SERVICES INC, POTOMAC SETTLEMENT SVCS INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	5701 JANNEYS MILL CIR HAYMARKET VA 201696197, HAYMARKET, VA 20169-6197

Tax Assessment & Valuation

The 2026 property tax bill for 12147 Snug Harbor Rd was $3,524 with a homeowner's exemption, up 1.4% from the year before.

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	$3,524.00 (+1.44%) Homeowner's exemption	$536,533 (+0.87%)	$545,800 (+2.61%) Land $130,800 Building $415,000
2025	$3,474.00 Homeowner's exemption	$531,900 Land $130,800 Building $401,100	$531,900 Land $130,800 Building $401,100
2023	$3,334.00 Homeowner's exemption	$401,033	$531,900 Land $130,800 Building $401,100

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

Flood

FEMA maps place 12147 Snug Harbor Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File median of 271 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	274 units insured incl. 3 condo units
Nearby Flood Claims	107 (1991–2012)
Claims Outside the SFHA	4 of 107
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Hurricane Sandy, Oct 2012 · 15 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

Wildfire risk around 12147 Snug Harbor Rd 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 67% of the US · above 68% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MYSTIC HARBOUR serves 5,945 people · EPA ID MD0230011
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 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 420 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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