Worcester County property record for 12506 Ocean Reef Dr, Berlin, MD 21811 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2.5 Baths |
| Year Built | Built 2000 |
| Square Footage | 2,629 sqft Total Area |
| Lot Size | 23,340 sqft (0.536 acres) |
| Garage | Attached, 484 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $55,000 (2000) |
| Tax Bill | $3,856.00 (2025) |
| Primary APN | 10-373077 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 2,629 sqft Total Area |
| Stories | 2 Stories |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 23,340 sqft (0.536 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 484 sqft Garage |
| Deck Area | 297 sqft Deck |
| Porch Area | 298 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 373077 |
|---|---|
| Street Address | 12506 OCEAN REEF DR |
| City | BERLIN |
| State | MD |
| Zip | 21811-2726 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 7 23340 SQ FT OCEAN REEF DRIVE OCEAN REEF SUBDIV |
| Legal Subdivision | OCEAN REEF DRIVE OCEAN REEF SUB |
| Legal Lot Number | 7 |
| Jurisdiction | WORCESTER MD |
| Minor Civil Division | 3, SINEPUXENT |
| Census Blockgroup | 1 |
| Census Block | 1007 |
| Census Tract | 951700 |
Source: Worcester County records · APN 10-373077
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 | 12506 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 12, 2018 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jan 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 27, 2000 · Amount on Record |
| Deed Sale | Jan 27, 2000 · Amount on Record |
| Deed Doc Number | 2000321625 |
| Deed Book / Page | 2805 / 179 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 12506 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0071480220 |
|---|---|
| Date | Jan 12, 2018 |
| Book Page | 7148/220 |
| Instrument | 7148-220 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OSHKOSH, WI 54902 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 21, 2047 |
| 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 | 12506 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | RADIAN SETTLTMENT SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0075850001 |
|---|---|
| Date | Jan 30, 2020 |
| Book Page | 7585/001 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2050 |
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 | $531,433 (+26.56%) | $564,900 (+9.75%) Land $133,300 Building $431,600 | |
| 2025 | $3,856.00 (+4.22%) Homeowner's exemption | ||
| 2023 | $3,700.00 Homeowner's exemption | $419,900 | $514,700 Land $133,300 Building $381,400 |
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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