Worcester County property record for 12518 Ocean Reef Dr, Berlin, MD 21811 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2.5 Baths |
| Year Built | Built 2001 |
| Square Footage | 2,338 sqft Total Area |
| Lot Size | 59,242 sqft (1.36 acres) |
| Garage | Attached, 638 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $487,500 (2004) |
| Tax Bill | $4,219.00 (2025) |
| Primary APN | 10-373131 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 2,338 sqft Total Area |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 59,242 sqft (1.36 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 638 sqft Garage |
| Deck Area | 380 sqft Deck |
| Porch Area | 336 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 373131 |
|---|---|
| Street Address | 12518 OCEAN REEF DR |
| City | BERLIN |
| State | MD |
| Zip | 21811-2726 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 13 1.36 ACS OCEAN REEF DRIVE OCEAN REEF SUBDIV |
| Legal Subdivision | ACS OCEAN REEF DRIVE OCEAN REEF SUB |
| Legal Lot Number | 13 |
| Jurisdiction | WORCESTER MD |
| Minor Civil Division | 3, SINEPUXENT |
| Census Blockgroup | 1 |
| Census Block | 1007 |
| Census Tract | 951700 |
Source: Worcester County records · APN 10-373131
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 | 12518 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 15, 2004 · Amount on Record |
| Deed Sale | Jul 15, 2004 · Amount on Record |
| Prior Sale | Oct 17, 2000 |
| Deed Doc Number | 2004350381 |
| Deed Book / Page | 4195 / 570 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 12518 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0079490116 |
|---|---|
| Date | Mar 01, 2021 |
| Book Page | 7949/116 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | BALTIMORE, MD 21235 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2051 |
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 | $635,200 (+32.09%) | $650,800 (+3.73%) Land $269,400 Building $381,400 | |
| 2025 | $4,219.00 (+4.2%) Homeowner's exemption | ||
| 2023 | $4,049.00 Homeowner's exemption | $480,867 | $627,400 Land $269,400 Building $358,000 |
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 | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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