Worcester County property record for 12508 Ocean Reef Dr, Berlin, MD 21811 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,038 sqft · built 2001 |
| Lot Size | 0.472 acres (20,579 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $460,000 (Dec 2021) |
| Tax Bill | $4,116 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage Dec 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 10-373085 |
| Primary APN | 10-373085 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,038 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 20,579 sqft (0.472 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 280 sqft |
| Deck Area | 110 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 373085 |
|---|---|
| Street Address | 12508 OCEAN REEF DR |
| City | BERLIN |
| State | MD |
| Zip | 21811-2726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 20579 SQ FT OCEAN REEF DRIVE OCEAN REEF SUBDIV |
| Legal Subdivision | OCEAN REEF DRIVE OCEAN REEF SUB |
| Legal Lot Number | 8 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 3, SINEPUXENT |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 951700 |
Source: Worcester County records · APN 10-373085
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 Company Names on File |
|---|---|
| Mailing Address | 12508 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Date | Document |
|---|---|
| Aug 06, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NORWICH COMMERCIAL GROUP INC |
| Dec 03, 2021 | Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP |
| Feb 15, 2018 | Deed, Transfer · FHA Mortgage NORWICH COMMERCIAL GROUP INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 03, 2021 · Amount on Record |
| Deed Sale | Dec 03, 2021 · Amount on Record |
| Prior Sale | Feb 15, 2018 · Amount on Record |
| Deed Book / Page | 8248 / 236 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 12508 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | ACQUEST TITLE SERVICES INC |
| Name | Verified Name |
|---|
| Document Number | 0074680082 |
|---|---|
| Date | Aug 06, 2019 |
| Book Page | 7468/082 |
| Name | NORWICH COMMERCIAL GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | AVON, CT 06001 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Dec 03, 2021 |
| Property Address | 12508 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Document Number | 0082480236 |
| Book / Page | 8248 / 236 |
| Map Reference | MB SCH 158 FO 61 |
| Instrument Date | Nov 29, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Title Company | REAL ESTATE TITLE & ESCROW |
| 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 | Living Trust |
| Address | 12508 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Document Number | 0008248244 |
|---|---|
| Date | Dec 03, 2021 |
| Instrument | 8248/244 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Feb 15, 2018 |
| Property Address | 12508 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Document Number | 0071630401 |
| Book / Page | 7163 / 401 |
| Map Reference | MB SVH158 FO61 |
| Instrument Date | Feb 09, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 03, 2022 |
| Title Company | ACQUEST TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,825.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 12508 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Document Number | 0007163406 |
|---|---|
| Date | Feb 15, 2018 |
| Instrument | 7163/406 |
| Name | NORWICH COMMERCIAL GROUP INC |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2048 |
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 | $375,600 (+8.93%) Land $130,500 Building $245,100 | $375,600 (-15.78%) Land $130,500 Building $245,100 | |
| 2025 | $4,116.00 (+24.77%) | ||
| 2023 | $3,299.00 | $344,800 | $446,000 Land $130,500 Building $315,500 |
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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