Worcester County property record for 12516 Ocean Reef Dr, Berlin, MD 21811 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 3.5 Baths |
| Year Built | Built 2000 |
| Square Footage | 5,046 sqft Total Area |
| Lot Size | 40,562 sqft (0.931 acres) |
| Garage | Attached, 624 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $479,000 (2018) |
| Tax Bill | $6,597.00 (2025) |
| Primary APN | 10-373123 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 5,046 sqft Total Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 40,562 sqft (0.931 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached |
| Garage Area | 624 sqft Garage |
| Deck Area | 225 sqft Deck |
|---|---|
| Patio Area | 60 sqft Patio |
| Porch | Slab |
| Porch Area | 184 sqft Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 373123 |
|---|---|
| Street Address | 12516 OCEAN REEF DR |
| City | BERLIN |
| State | MD |
| Zip | 21811-2726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 12 40562 SQ FT OCEAN REEF DRIVE OCEAN REEF SUBDIV |
| Legal Subdivision | OCEAN REEF DRIVE OCEAN REEF SUB |
| Legal Lot Number | 12 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 3, SINEPUXENT |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 951700 |
Source: Worcester County records · APN 10-373123
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 | 12516 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 14, 2021 | Deed, Transfer · Line of Credit CALVIN B TAYLOR BANKING CO BERLIN M |
| Aug 01, 2020 | Deed of Trust, Mortgage · Conventional with PMI REESE F III CROPPER |
| Aug 01, 2020 | Deed of Trust, Mortgage · Conventional Mortgage REESE F III CROPPER |
| Oct 03, 2018 | Grant Deed, Transfer RESORT LAND TITLE AND ESCROW, RESORT LAND TITLE & ESCROW |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 03, 2018 · Amount on Record |
| Deed Sale | Oct 03, 2018 · Amount on Record |
| Prior Sale | Jul 15, 2014 · Amount on Record |
| Deed Book / Page | 7296 / 114 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Apr 14, 2021 |
| Property Address | 12516 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Document Number | 0080090262 |
| Book / Page | 8009 / 262 |
| Map Reference | MB SVH158 FO 61 |
| Instrument Date | Mar 30, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 03, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12516 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Document Number | 0008009265 |
|---|---|
| Date | Apr 14, 2021 |
| Instrument | 8009/265 |
| Name | CALVIN B TAYLOR BANKING CO BERLIN M |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 12516 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Document Number | 0077450240 |
| Instrument Date | Aug 01, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 03, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 12516 OCEAN REEF DR BERLIN MD 218112726, BERLIN, MD 21811-2726 |
| Document Number | 0077450240 |
|---|---|
| Date | Aug 19, 2020 |
| Book Page | 007745/000240 |
| Name | REESE F III CROPPER |
|---|---|
| Address | 9501 ABACO LN, OCEAN CITY, MD 21842-9631 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 12516 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Document Number | 0077450245 |
| Instrument Date | Aug 01, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 03, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 12516 OCEAN REEF DR BERLIN MD 218112726, BERLIN, MD 21811-2726 |
| Document Number | 0077450245 |
|---|---|
| Date | Aug 19, 2020 |
| Book Page | 007745/000245 |
| Name | REESE F III CROPPER |
|---|---|
| Address | 9501 ABACO LN, OCEAN CITY, MD 21842-9631 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Oct 03, 2018 |
| Property Address | 12516 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Document Number | 0072960114 |
| Book / Page | 007296 / 000114 |
| Instrument Date | Oct 01, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2019 |
| Title Company | RESORT LAND TITLE AND ESCROW, RESORT LAND TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Tax | $479.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 9501 ABACO LN OCEAN CITY MD 218429631, OCEAN CITY, MD 21842-9631 |
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 | $961,667 (+35.19%) | $1,166,200 (+35.7%) Land $265,500 Building $900,700 | |
| 2025 | $6,597.00 (+4.2%) Homeowner's exemption | ||
| 2023 | $6,331.00 Homeowner's exemption | $711,333 | $859,400 Land $265,500 Building $593,900 |
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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