Worcester County property record for 12517 Ocean Reef Dr, Berlin, MD 21811 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,894 sqft · built 2003 |
| Lot Size | 0.379 acres (16,496 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $71,400 (Nov 2001) |
| Tax Bill | $4,734 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 10-373360 |
| Primary APN | 10-373360 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,894 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 16,496 sqft (0.379 acres) |
| Garage Type | Built-in |
| Garage Area | 1,122 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 264 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 373360 |
|---|---|
| Street Address | 12517 OCEAN REEF DR |
| City | BERLIN |
| State | MD |
| Zip | 21811-2732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 39 16496 SQ FT OCEAN REEF DRIVE OCEAN REEF SUBDIV |
| Legal Subdivision | OCEAN REEF DRIVE OCEAN REEF SUB |
| Legal Lot Number | 39 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 3, SINEPUXENT |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 951700 |
Source: Worcester County records · APN 10-373360
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 | 12517 OCEAN REEF DR, BERLIN, MD 21811-2732 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 06, 2001 · Amount on Record |
| Deed Sale | Nov 06, 2001 · Amount on Record |
| Prior Sale | Apr 04, 2000 · Amount on Record |
| Deed Document Number | 2001332764 |
| Deed Book / Page | 3166 / 261 |
| 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 | $654,767 (+26.98%) | $699,700 (+10.66%) Land $122,600 Building $577,100 | |
| 2025 | $4,734.00 (+4.2%) Homeowner's exemption | ||
| 2023 | $4,543.00 Homeowner's exemption | $515,633 | $632,300 Land $122,600 Building $509,700 |
Source: FEMA National Flood Hazard Layer, Worcester County (24047C), updated June 4, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240479517001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 271 individual NFIP policies nearby |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 274 units insured 3 under condo master policies |
| Nearby Flood Claims | 107 (1991–2012) |
| Claims Outside the SFHA | 4 of 107 |
| Most Recent Claim | Oct 2012, tidal / storm surge, Hurricane Sandy |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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, availability as of December 31, 2025 · Published October 2026 · based on 24 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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