12512 Ocean Reef Dr, Berlin, MD 21811 Property Records

Worcester County property record for 12512 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 2003
Square Footage	2,564 sqft Total Area
Lot Size	13,243 sqft (0.304 acres)
Garage	Attached, 430 sqft
Occupancy	Owner Occupied
Last Sale	$490,000 (2020)
Tax Bill	$3,778.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`10-373107`
Alternative APN	`373107`

Interior

Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	2,564 sqft Total Area
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding Exterior
Roof Material	Composition Shingle Roof
Lot Area	13,243 sqft (0.304 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	430 sqft Garage
Deck Area	360 sqft Deck
Porch Area	96 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	373107
Street Address	12512 OCEAN REEF DR
City	BERLIN
State	MD
Zip	21811-2726
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 10 13243 SQ FT OCEAN REEF DRIVE OCEAN REEF SUBDIV
Legal Subdivision	OCEAN REEF DRIVE OCEAN REEF SUB
Legal Lot Number	10
Jurisdiction	WORCESTER MD
Minor Civil Division	3, SINEPUXENT
Census Blockgroup	1
Census Block	1007
Census Tract	951700

Owner

Source: Worcester County records · APN 10-373107

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	12512 OCEAN REEF DR, BERLIN, MD 21811-2726
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 30, 2020 · Amount on Record
Deed Sale	Nov 30, 2020 · Amount on Record
Prior Sale	Dec 11, 2002 · Amount on Record
Deed Book / Page	7848 / 230
Record Refreshed	Sep 20, 2026

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Nov 30, 2020
Property Address	12512 OCEAN REEF DR, BERLIN, MD 21811-2726
Document Number	0078480230
Book / Page	7848 / 230
Map Reference	MB SVH 158 FO 61
Instrument Date	Nov 20, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	MARYLAND TITLE SERVICE

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
Address	1106 SADDLE CREEK CT, 1106, SPARKS GLENCOE, MD 21152-9107

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12512 OCEAN REEF DR, BERLIN, MD 21811-2726

Mortgage

Document Number	0007848235
Date	Nov 30, 2020
Instrument	7848/235

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2050

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		$518,933 (+26.41%)	$553,800 (+10.43%) Land $119,400 Building $434,400
2025	$3,778.00 (+4.19%) Homeowner's exemption
2023	$3,626.00 Homeowner's exemption	$410,500	$501,500 Land $119,400 Building $382,100

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 100 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.