Worcester County property record for 12504 Ocean Reef Dr, Berlin, MD 21811 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Year Built | Built 2000 |
| Square Footage | 1,825 sqft Total Area |
| Lot Size | 22,575 sqft (0.518 acres) |
| Garage | Attached, 600 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $349,900 (2019) |
| Tax Bill | $2,904.00 (2025) |
| Primary APN | 10-373069 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,825 sqft Total Area |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 22,575 sqft (0.518 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 600 sqft Garage |
| Deck Area | 60 sqft Deck |
| Porch Area | 180 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 373069 |
|---|---|
| Street Address | 12504 OCEAN REEF DR |
| City | BERLIN |
| State | MD |
| Zip | 21811-2726 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 6 22575 SQ FT OCEAN REEF DRIVE OCEAN REEF SUBDIV |
| Legal Subdivision | OCEAN REEF DRIVE OCEAN REEF SUB |
| Legal Lot Number | 6 |
| Jurisdiction | WORCESTER MD |
| Minor Civil Division | 3, SINEPUXENT |
| Census Blockgroup | 1 |
| Census Block | 1007 |
| Census Tract | 951700 |
Source: Worcester County records · APN 10-373069
Assessment roll updated July 31, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12504 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 08, 2021 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC |
| Mar 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU OF MARYLAND INC |
| Sep 10, 2019 | Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU OF MARYLAND INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 10, 2019 · Amount on Record |
| Deed Sale | Sep 10, 2019 · Amount on Record |
| Prior Sale | May 16, 2000 · Amount on Record |
| Deed Book / Page | 7487 / 476 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 12504 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | SECU TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0082540450 |
|---|---|
| Date | Dec 08, 2021 |
| Book Page | 8254/450 |
| Name | STATE EMPLOYEES CU OF MARYLAND INC |
|---|---|
| Type | Credit Union |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 10 Months |
| Due | Dec 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 12504 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | SECU TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0079620306 |
|---|---|
| Date | Mar 10, 2021 |
| Book Page | 7962/306 |
| Name | STATE EMPLOYEES CU OF MARYLAND INC |
|---|---|
| Type | Credit Union |
| Address | GLEN BURNIE, MD 21060 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Feb 01, 2031 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Sep 10, 2019 |
| Property Address | 12504 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Document Number | 0074870476 |
| Book / Page | 7487 / 476 |
| Map Reference | MB SVH 158 FO 61 |
| Instrument Date | Sep 06, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 03, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 3407 LAMBROS RD, PARKVILLE, MD 21234-4234 |
| Document Number | 0007487480 |
|---|---|
| Date | Sep 10, 2019 |
| Instrument | 7487/480 |
| Name | STATE EMPLOYEES CU OF MARYLAND INC |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2049 |
Source: Worcester County records · Assessment roll updated July 31, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Unified School District | Worcester County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $330,000 (+4.83%) Land $132,500 Building $197,500 | $330,000 (-13.93%) Land $132,500 Building $197,500 | |
| 2025 | $2,904.00 (+4.24%) Homeowner's exemption | ||
| 2023 | $2,786.00 Homeowner's exemption | $314,800 | $383,400 Land $132,500 Building $250,900 |
Source: FEMA National Flood Hazard Layer, Worcester County (24047C), updated June 4, 2020 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 5.0 ft |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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