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12520 Whisper Trace Dr, Ocean City, MD 21842 Property Records

Worcester County property record for 12520 Whisper Trace Dr, Ocean City, MD 21842

Property Summary

Property TypeSingle Family Home
Details2.5 ba · 1,739 sqft · built 2002
Lot Size0.195 acres (8,486 sqft)
OwnerIndividual Name on Record
Last Sale$299,000 (Nov 2019)
Tax Bill$3,350 (2026)
Deeds & MortgagesAug 2020 Mortgage
Nov 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN10-372615

Property Details

APN / Parcel Number

Primary APN10-372615
Alternative APN
  • 372615

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,739 sqft Total Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area8,486 sqft (0.195 acres)
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area248 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
SewerConnected

Location & Zoning

Account Number372615
Street Address12520 WHISPER TRACE DR
CityOCEAN CITY
StateMD
Zip21842-9170
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-2
Legal DescriptionLOT 150 8486 SQ FT WHISPER TRACE DR OYSTER HARBOR SEC 3
Legal SubdivisionOYSTER HARBOR CM
Legal Lot Number150
JurisdictionWORCESTER MD
Township / Civil Division3, SINEPUXENT
Census Block Group3
Census Block3011
Census Tract950400

Owner

Source: Worcester County records, as of October 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address12520 WHISPER TRACE DR, OCEAN CITY, MD 21842-9170
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 31, 2020Deed of Trust, Mortgage · VA Mortgage
ALL COAST LENDING INC
Nov 20, 2019Special Warranty Deed, Transfer · VA Mortgage
PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 20, 2019 · Amount on Record
Deed SaleNov 20, 2019 · Amount on Record
Prior SaleApr 14, 2011 · Amount on Record
Deed Book / Page7539 / 480
Record UpdatedOct 29, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWORCESTER MD
Property Address12520 WHISPER TRACE DR, OCEAN CITY, MD 21842-9170
Document Number0077760150
Instrument DateAug 31, 2020
Transaction TypeMortgage
Record UpdatedOct 8, 2020
Title CompanyADVANTAGE TITLE COMPANY, ADVANTAGE TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address12520 WHISPER TRACE DR OCEAN CITY MD 218429170, OCEAN CITY, MD 21842-9170

Mortgage

Document Number0077760150
DateSep 21, 2020
Book Page007776/000150
Lender
NameALL COAST LENDING INC
Address9401 E NORA ST, MESA, AZ 85207-2557
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 20, 2050

November 2019: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionWORCESTER MD
Recording DateNov 20, 2019
Property Address12520 WHISPER TRACE DR, OCEAN CITY, MD 21842-9170
Document Number0075390480
Book / Page7539 / 480
Map ReferenceMB SVH157 FO 57
Instrument DateNov 15, 2019
Transaction TypeTransfer
Record UpdatedAug 11, 2022
Title CompanyCAPITAL TITLE GROUP

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Severalty
Address12520 WHISPER TRACE DR, OCEAN CITY, MD 21842-9170

Mortgage

Document Number0007539488
DateNov 20, 2019
Instrument7539/488
Lender
NamePARAMOUNT RESIDENTIAL MORTGAGE GROU
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2049

Tax Assessment & Valuation

Source: Worcester County assessment roll, as of October 6, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyWorcester County
Unified School DistrictWorcester County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,350.00 (+1.55%)$363,000 (+16.68%)$374,000 (+4.62%) Land $87,200 Building $286,800
2025$3,299.00 (+10.82%)
2023$2,977.00$311,100$357,500 Land $87,200 Building $270,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 171 individual policies
Nearby Flood Policies206 units insured
incl. 35 condo units
Nearby Flood Claims9 (1998–2021)
Claims Outside the SFHA2 of 9
Most Recent ClaimOct 2021 · tidal / storm surge
Claims by Event
  • Hurricane Sandy, Oct 2012 · 2 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 93% of the US · lower than 85% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemMYSTIC HARBOUR
serves 5,945 people · EPA ID MD0230011
Water SourceGroundwater
Last State InspectionMay 2024
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 190 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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