Worcester County property record for 12514 Ocean Reef Dr, Berlin, MD 21811
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,767 sqft · built 2000 |
| Lot Size | 0.777 acres (33,826 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $47,900 (Jul 1999) |
| Tax Bill | $4,331 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 10-373115 |
| Primary APN | 10-373115 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,767 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 33,826 sqft (0.777 acres) |
| Garage Type | Attached |
| Garage Area | 510 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 432 sqft |
| Deck Area | 420 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 373115 |
|---|---|
| Street Address | 12514 OCEAN REEF DR |
| City | BERLIN |
| State | MD |
| Zip | 21811-2726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-5 |
| Legal Description | LOT 11 33826 SQ FT OCEAN REEF DRIVE OCEAN REEF SUBDIV |
| Legal Subdivision | OCEAN REEF DRIVE OCEAN REEF SUB |
| Legal Lot Number | 11 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 3, SINEPUXENT |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 951700 |
Source: Worcester County records · APN 10-373115
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 | 12514 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 27, 1999 · Amount on Record |
| Deed Sale | Jul 27, 1999 · Amount on Record |
| Deed Document Number | 1999318460 |
| Deed Book / Page | 2728 / 467 |
| Record Updated | Sep 20, 2026 |
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 | $649,100 (+30.94%) | $665,700 (+3.89%) Land $258,800 Building $406,900 | |
| 2025 | $4,331.00 (+4.24%) Homeowner's exemption | ||
| 2023 | $4,155.00 Homeowner's exemption | $495,733 | $640,800 Land $258,800 Building $382,000 |
Source: FEMA National Flood Hazard Layer as of June 4, 2020 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 5.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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 |
|
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T.
Based on FCC filings for 400 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MYSTIC HARBOUR serves 5,945 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures