12229 Meadow Dr, Berlin, MD 21811 Property Records

Worcester County property record for 12229 Meadow Dr, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,049 sqft · built 2012
Lot Size	0.103 acres (4,480 sqft)
Owner	2 Individual Names on File
Last Sale	$800,000 (Feb 2023)
Tax Bill	$4,711 (2026)
Deeds & Mortgages	Feb 2023 Sale & Mortgage May 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`10-020085`

Property Details

APN / Parcel Number

Primary APN	`10-020085`
Alternative APN	`020085`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,049 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	4,480 sqft (0.103 acres)
Lot Dimensions	89 ft deep x 50 ft wide
View / Lot	Waterfront
Porch	Slab
Porch Area	230 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	020085
Street Address	12229 MEADOW DR
City	BERLIN
State	MD
Zip	21811-2536
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 1 50 X 89 6 N SIDE MEADOW RD PL SNUG HARBOR
Legal Lot Number	1
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1032
Census Tract	951700

Owner

12229 Meadow Dr is owned by two individuals who bought it in February 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	2545 VALE CT, DAVIDSONVILLE, MD 21035-1139
Owner Type	Individual
Vesting	Et Al (and Others)

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
Feb 27, 2023	Deed, Transfer · Conventional Mortgage WESBANCO BANK INC
May 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2023 · Amount on File
Deed Sale	Feb 27, 2023 · Amount on File
Prior Sale	Jan 12, 2010 · Amount on File
Deed Book / Page	8535 / 430
Record Updated	Oct 29, 2026

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Feb 27, 2023
Property Address	12229 MEADOW DR, BERLIN, MD 21811-2536
Document Number	0085350430
Book / Page	8535 / 430
Map Reference	MB 1 FO 99
Instrument Date	Feb 24, 2023
Transaction Type	Transfer
Record Updated	Mar 14, 2023
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2545 VALE CT, DAVIDSONVILLE, MD 21035-1139

Mortgage

Document Number	0085350437
Date	Feb 27, 2023
Instrument	8535-0437

Lender

Name	WESBANCO BANK INC
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2033
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	10.7%
Index	1-Year CMT
Margin	3
Max Rate	10.7%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	12229 MEADOW DR, BERLIN, MD 21811-2536
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080580486
Date	May 19, 2021
Book Page	8058/486

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	May 1, 2046

Tax Assessment & Valuation

The 2026 property tax bill for 12229 Meadow Dr was $4,711, up 3.3% 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	$4,711.00 (+3.31%)	$503,967	$536,700 Land $190,000 Building $346,700
2025	$4,560.00
2023	$3,877.00	$405,200	$487,600 Land $190,000 Building $297,600

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

Flood

FEMA maps place 12229 Meadow Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 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 12229 Meadow 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 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.

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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