12508 Deer Point Cir, Berlin, MD 21811 Property Records

Worcester County property record for 12508 Deer Point Cir, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,237 sqft · built 2003
Lot Size	0.6 acres (26,131 sqft)
Owner	2 Individual Names on File
Last Sale	$352,000 (Apr 2017)
Tax Bill	$3,418 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Oct 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-366224`

Property Details

APN / Parcel Number

Primary APN	`10-366224`
Alternative APN	`366224`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,237 sqft Total Area
Utility Area	368 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	26,131 sqft (0.6 acres)
Garage Type	Attached
Garage Area	800 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	561 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	366224
Street Address	12508 DEER POINT CIR
City	BERLIN
State	MD
Zip	21811-2550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	LOT 11 26131 SQ FT DEER POINT CIRCLE DEER POINT SUBDIV
Legal Subdivision	DEER POINT CIRCLE DEER POINT SUB
Legal Lot Number	11
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1007
Census Tract	951700

Owner

12508 Deer Point Cir is owned and occupied by two individuals who bought it in April 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	12508 DEER POINT CIR, BERLIN, MD 21811-2550
Occupancy	Owner Occupied
Owner Type	Individual

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 7, 2022	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Oct 11, 2018	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Apr 11, 2017	Grant Deed, Transfer · FHA Mortgage MORTGAGE MASTER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2017 · Amount on File
Deed Sale	Apr 11, 2017 · Amount on File
Prior Sale	May 5, 2016 · Amount on File
Deed Document Number	20176974-286
Deed Book / Page	6974 / 286
Prior Transfer Date	Apr 7, 2016
Prior Transfer Doc	0067620302
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	12508 DEER POINT CIR, BERLIN, MD 21811-2550
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0082810095
Date	Jan 7, 2022
Book Page	8281/95

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	12508 DEER POINT CIR, BERLIN, MD 21811-2550
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073000075
Date	Oct 11, 2018
Book Page	7300/075

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Nov 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WORCESTER MD
Recording Date	Apr 11, 2017
Property Address	12508 DEER POINT CIR, BERLIN, MD 21811-2550
Document Number	0069740286
Book / Page	006974 / 000286
Instrument Date	Jan 6, 2017
Transaction Type	Transfer
Record Updated	Jul 24, 2017
Title Company	LAKESIDE TITLE COMPANY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$352.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12508 DEER POINT CIR BERLIN MD 218112550, BERLIN, MD 21811-2550

Mortgage

Document Number	69740295
Date	Apr 11, 2017
Book Page	006974/000295

Lender

Name	MORTGAGE MASTER
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 10, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 12508 Deer Point Cir was $3,418 with a homeowner's exemption, down 0.5% 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	$3,418.00 (-0.47%) Homeowner's exemption	$423,700 Land $91,600 Building $332,100	$423,700 Land $91,600 Building $332,100
2025	$3,434.00 Homeowner's exemption
2023	$3,300.00 Homeowner's exemption	$367,433	$437,900 Land $91,600 Building $346,300

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

Flood

FEMA maps place 12508 Deer Point Cir in Zone X, an area of minimal flood risk, within 500 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 500 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 12508 Deer Point Cir 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	Direct burnable vegetation

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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Eastern Shore Communications, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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