12527 Ocean Reef Dr, Berlin, MD 21811 Property Records

Worcester County property record for 12527 Ocean Reef Dr, Berlin, MD 21811 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	3.5 Baths
Year Built	Built 2002
Square Footage	4,567 sqft Total Area
Lot Size	69,696 sqft (1.6 acres)
Garage	Mixed, 864 sqft
Occupancy	Owner Occupied
Last Sale	$719,900 (2020)
Tax Bill	$5,756.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`10-373344`
Alternative APN	`373344`

Interior

Full Baths	3.5 Baths
Partial Baths	1 Partial Baths
Building Area	4,567 sqft Total Area
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding Exterior
Roof Material	Composition Shingle Roof
Lot Area	69,696 sqft (1.6 acres)
Parking Spaces	3 Parking Spaces
Garage Type	Mixed Garage
Garage Area	864 sqft Garage
Pool Area	500 sqft Pool
Deck Area	410 sqft Deck
Patio Area	362 sqft Patio

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Heat Pump Heating
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	373344
Street Address	12527 OCEAN REEF DR
City	BERLIN
State	MD
Zip	21811-2732
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 37 1.60 ACS OCEAN REEF DRIVE OCEAN REEF SUBDIV
Legal Subdivision	ACS OCEAN REEF DRIVE OCEAN REEF SUB
Legal Lot Number	37
Jurisdiction	WORCESTER MD
Minor Civil Division	3, SINEPUXENT
Census Blockgroup	1
Census Block	1007
Census Tract	951700

Owner

Source: Worcester County records · APN 10-373344

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	12527 OCEAN REEF DR, BERLIN, MD 21811-2732
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 29, 2020 · Amount on Record
Deed Sale	Sep 29, 2020 · Amount on Record
Prior Sale	Aug 20, 1999 · Amount on Record
Deed Book / Page	7783 / 421
Record Refreshed	Sep 20, 2026

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Sep 29, 2020
Property Address	12527 OCEAN REEF DR, BERLIN, MD 21811-2732
Document Number	0077830421
Book / Page	7783 / 421
Map Reference	MB SVH 158 OF 61
Instrument Date	Sep 15, 2020
Transaction Type	Transfer
Record Updated	May 03, 2022
Title Company	MID ATLANTIC T&E CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenant By Entirety
Address	12527 OCEAN REEF DR, BERLIN, MD 21811-2732

Mortgage

Document Number	0007783426
Date	Sep 29, 2020
Instrument	7783/426

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

Tax Assessment & Valuation

Source: Worcester County records · Assessment roll updated July 31, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Worcester County
Unified School District	Worcester County Public Schools (PK - 12)

Tax Bill & Assessment History

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		$901,000 (+36.13%)	$955,800 (+9.41%) Land $256,500 Building $699,300
2025	$5,756.00 (+4.2%) Homeowner's exemption
2023	$5,524.00 Homeowner's exemption	$661,867	$873,600 Land $256,500 Building $617,100

Flood & Wildfire

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

Flood

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	6.0 ft

Wildfire

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.