12509 Ocean Reef Dr, Berlin, MD 21811 Property Records

Worcester County property record for 12509 Ocean Reef Dr, Berlin, MD 21811 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2.5 Baths
Year Built	Built 2017
Square Footage	2,349 sqft Total Area
Lot Size	16,878 sqft (0.387 acres)
Garage	Mixed, 288 sqft
Occupancy	Owner Occupied
Last Sale	$630,000 (2025)
Tax Bill	$4,544.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`10-373409`
Alternative APN	`373409`

Interior

Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	2,349 sqft Total Area
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Siding Exterior
Roof Material	Composition Shingle Roof
Lot Area	16,878 sqft (0.387 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Mixed Garage
Garage Area	288 sqft Garage
Porch Area	444 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Heat Pump Heating

Location & Zoning

Account Number	373409
Street Address	12509 OCEAN REEF DR
City	BERLIN
State	MD
Zip	21811-2732
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 78 16878 SQ FT OCEAN REEF DRIVE OCEAN REEF SUBDIV
Legal Subdivision	OCEAN REEF DRIVE OCEAN REEF SUB
Legal Lot Number	78
Jurisdiction	WORCESTER MD
Minor Civil Division	3, SINEPUXENT
Census Blockgroup	1
Census Block	1016
Census Tract	951700

Owner

Source: Worcester County records · APN 10-373409

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	Individual Name on File
Mailing Address	12509 OCEAN REEF DR, BERLIN, MD 21811-2732
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 22, 2025 · Amount on Record
Deed Sale	Apr 22, 2025 · Amount on Record
Prior Sale	Sep 30, 2020 · Amount on Record
Record Refreshed	Sep 20, 2026

September 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WORCESTER MD
Recording Date	Sep 30, 2020
Property Address	12509 OCEAN REEF DR, BERLIN, MD 21811-2732
Document Number	0077860001
Book / Page	7786 / 1
Map Reference	MB SVH158 FO 61
Instrument Date	Aug 31, 2020
Transaction Type	Transfer
Record Updated	May 03, 2022
Title Company	CAPITOL TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenant By Entirety
Address	2509 OCEAN REFF DRIVE, BERLIN, MD 21811

Mortgage

Document Number	0000077869
Date	Sep 30, 2020
Instrument	7786/9

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 01, 2035

Tax Assessment & Valuation

Source: Worcester County records · Assessment roll updated July 31, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Worcester County
Unified School District	Worcester County Public Schools (PK - 12)

Tax Bill & Assessment History

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		$537,433 (+21.74%)	$627,500 (+27.44%) Land $126,800 Building $500,700
2025	$4,544.00 (+7.58%)
2023	$4,224.00	$441,467	$492,400 Land $126,800 Building $365,600

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Moderate
500-Year Floodplain	Yes
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

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.