12357 Hidden Bay Dr, Berlin, MD 21811 Property Records

Worcester County property record for 12357 Hidden Bay Dr, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,328 sqft · built 2023
Lot Size	0.298 acres (12,982 sqft)
Owner	2 Individual Names on File
Last Sale	$878,095 (Oct 2023)
Tax Bill	$6,205 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-746965`

Property Details

APN / Parcel Number

Primary APN	`10-746965`
Alternative APN	`746965`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,328 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,982 sqft (0.298 acres)
View / Lot	Waterfront
Garage Type	Mixed
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	746965
Street Address	12357 HIDDEN BAY DR
City	BERLIN
State	MD
Zip	21811-2750
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 37 12982SQFT HIDDEN BAY DR THE LANDINGS
Legal Subdivision	LANDINGS
Legal Lot Number	37
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1032
Census Tract	951700

Owner

12357 Hidden Bay Dr is owned and occupied by two individuals who bought it in October 2023.

Source: Worcester County records, as of October 12, 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	2 Individual Names on File
Mailing Address	12357 HIDDEN BAY DR, BERLIN, MD 21811-2750
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Deed of Trust, Mortgage · Line of Credit MORTGAGE MORTGAGE
Oct 27, 2023	Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC
Jun 9, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2023 · Amount on File
Deed Sale	Oct 27, 2023 · Amount on File
Prior Sale	Aug 15, 2023 · Amount on File
Deed Document Number	2023
Deed Book / Page	8659 / 326
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Recording Date	Jul 13, 2026
Property Address	12357 HIDDEN BAY DR, BERLIN, MD 21811-2750
Document Number	9183000003
Book / Page	9183 / 3
Instrument Date	Jul 3, 2026
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12357 HIDDEN BAY DR, BERLIN, MD 21811-2750

Mortgage

Document Number	9183000003,
Date	Jul 13, 2026
Book Page	9183/3

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2056

Interest

Rate	6.48%
Max Rate	-1%

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Oct 27, 2023
Property Address	12357 HIDDEN BAY DR, BERLIN, MD 21811-2750
Document Number	0086590326
Book / Page	8659 / 326
Map Reference	MB SVH 96 PG 60-82
Instrument Date	Oct 23, 2023
Transaction Type	Transfer
Record Updated	Nov 13, 2023
Title Company	NVR SETTLEMENT SERVICES/MD INC, NVR STLMT SVCS OF MD INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,390.48
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	12357 HIDDEN BAY DR, BERLIN, MD 21811-2750

Mortgage

Document Number	0086590331
Date	Oct 27, 2023
Instrument	8659-0331

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

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

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Jun 9, 2023
Property Address	12357 HIDDEN BAY DR, BERLIN, MD 21811-2750
Document Number	0085880052
Book / Page	8588 / 52
Map Reference	MB 196 PG 60-82
Instrument Date	Jun 5, 2023
Transaction Type	Transfer
Record Updated	Jul 3, 2023

Transaction

Amount	Amount on Record
Tax	$5,253.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32448 ROYAL BLVD UNIT 1, 1, DAGSBORO, DE 19939-3899
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 12357 Hidden Bay Dr was $6,205 with a homeowner's exemption, up 0.9% 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	$6,205.00 (+0.86%) Homeowner's exemption	$745,600	$840,200 Land $253,100 Building $587,100
2025	$6,152.00 Homeowner's exemption
2023	$2,001.00	$209,100 (-) Land $209,100	$209,100 (-) Land $209,100
2022		$209,100 Land $209,100	$209,100 Land $209,100
2021	$2,001.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 12357 Hidden Bay Dr 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 12357 Hidden Bay Dr is low, with a 0.01% 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	0.01% 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

Nearby Properties on Hidden Bay Dr

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