Worcester County property record for 12511 Ocean Reef Dr, Berlin, MD 21811 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,212 sqft · built 2002 |
| Lot Size | 0.301 acres (13,127 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $625,000 (Nov 2022) |
| Tax Bill | $5,328 (2025) |
| Deeds & Mortgages | Nov 2022 Sale & Mortgage Aug 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 10-373395 |
| Primary APN | 10-373395 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,212 sqft Total Area |
| Utility Area | 348 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 13,127 sqft (0.301 acres) |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 54 sqft |
| Deck Area | 272 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 373395 |
|---|---|
| Street Address | 12511 OCEAN REEF DR |
| City | BERLIN |
| State | MD |
| Zip | 21811-2732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 77 13127 SQ FT OCEAN REEF DRIVE OCEAN REEF SUBDIV |
| Legal Subdivision | OCEAN REEF DRIVE OCEAN REEF SUB |
| Legal Lot Number | 77 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 3, SINEPUXENT |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 951700 |
Source: Worcester County records · APN 10-373395
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 | 11128 SANDSTONE TRL, AUSTIN, TX 78750-1507 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 14, 2022 | Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Aug 08, 2017 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Feb 04, 2021 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 14, 2022 · Amount on Record |
| Deed Sale | Nov 14, 2022 · Amount on Record |
| Prior Sale | Feb 20, 2013 · Amount on Record |
| Deed Book / Page | 8493 / 105 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Nov 14, 2022 |
| Property Address | 12511 OCEAN REEF DR, BERLIN, MD 21811-2732 |
| Document Number | 0084930105 |
| Book / Page | 8493 / 105 |
| Map Reference | MB SVH158 FO 61 |
| Instrument Date | Nov 08, 2022 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2022 |
| Title Company | COMMUNITY SETTLEMENT GROUP LLC, COMMUNITY SETTLMENT GROUP LL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 11128 SANDSTONE TRL, AUSTIN, TX 78750-1507 |
| Document Number | 0084930111 |
|---|---|
| Date | Nov 14, 2022 |
| Instrument | 8493-0111 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Dec 01, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 11% |
| Index | Other |
| Margin | 3 |
| Max Rate | 11% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 12511 OCEAN REEF DR, BERLIN, MD 21811-2732 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0070540186 |
|---|---|
| Date | Aug 08, 2017 |
| Book Page | 7054/186 |
| Instrument | 7054-186 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Jul 14, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 12511 OCEAN REEF DR, BERLIN, MD 21811-2732 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0079240286 |
|---|---|
| Date | Feb 04, 2021 |
| Book Page | 7924/286 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 06, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $597,267 (+25.24%) | $637,200 (+10.38%) Land $123,100 Building $514,100 | |
| 2025 | $5,328.00 (+16.77%) Homeowner's exemption | ||
| 2023 | $4,563.00 | $476,900 | $577,300 Land $123,100 Building $454,200 |
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 X |
|---|---|
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures