Worcester County property record for 12519 Ocean Reef Dr, Berlin, MD 21811
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 5,281 sqft · built 2020 |
| Lot Size | 0.447 acres (19,489 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $90,000 (Sep 2016) |
| Tax Bill | $5,555 (2025) |
| Deeds & Mortgages | May 2020 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 10-373352 |
| Primary APN | 10-373352 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 5,281 sqft Total Area |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 19,489 sqft (0.447 acres) |
| Garage Type | Attached |
| Garage Area | 688 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Deck Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 373352 |
|---|---|
| Street Address | 12519 OCEAN REEF DR |
| City | BERLIN |
| State | MD |
| Zip | 21811-2732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-5 |
| Legal Description | LOT 38 19489 SQ FT OCEAN REEF DRIVE OCEAN REEF SUBDIV |
| Legal Subdivision | OCEAN REEF DRIVE OCEAN REEF SUB |
| Legal Lot Number | 38 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 3, SINEPUXENT |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 951700 |
Source: Worcester County assessment roll, as of July 31, 2025
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 | 12519 OCEAN REEF DR, BERLIN, MD 21811-2732 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 30, 2016 · Amount on Record |
| Deed Sale | Sep 30, 2016 · Amount on Record |
| Prior Sale | Oct 3, 2002 · Amount on Record |
| Deed Book / Page | 6856 / 132 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 12519 OCEAN REEF DR, BERLIN, MD 21811-2732 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | ACCOMMODATION |
| Name | Verified Name |
|---|
| Document Number | 0076560223 |
|---|---|
| Date | May 12, 2020 |
| Book Page | 7656/223 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | BALTIMORE, MD 21202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Worcester County assessment roll, as of July 31, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Unified School District | Worcester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $589,900 (-1.43%) Land $129,400 Building $460,500 | $589,900 (-18.31%) Land $129,400 Building $460,500 | |
| 2025 | $5,555.00 (+4.2%) Homeowner's exemption | ||
| 2023 | $5,331.00 Homeowner's exemption | $598,433 | $722,100 Land $129,400 Building $592,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MYSTIC HARBOUR serves 5,945 people · EPA ID MD0230011 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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