12528 Ocean Reef Dr, Berlin, MD 21811 Property Records

Worcester County property record for 12528 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 2001
Square Footage	3,613 sqft Total Area
Lot Size	39,918 sqft (0.916 acres)
Garage	Attached, 528 sqft
Pool	Spa/Hot Tub (Only)
Last Sale	$739,900 (2005)
Tax Bill	$7,185.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`10-373174`
Alternative APN	`373174`

Interior

Full Baths	3.5 Baths
Partial Baths	1 Partial Baths
Building Area	3,613 sqft Total Area
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Siding Exterior
Roof Material	Composition Shingle Roof
Lot Area	39,918 sqft (0.916 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	528 sqft Garage

Exterior Amenities

Pool Type	Spa/Hot Tub (Only) Pool Type
Deck Area	547 sqft Deck
Patio Area	500 sqft Patio
Porch Area	196 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	373174
Street Address	12528 OCEAN REEF DR
City	BERLIN
State	MD
Zip	21811-2726
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 22 39918 SQ FT OCEAN REEF DR OCEAN REEF SUBDIV
Legal Subdivision	OCEAN REEF SUB
Legal Lot Number	22
Jurisdiction	WORCESTER MD
Minor Civil Division	3, SINEPUXENT
Census Blockgroup	1
Census Block	1007
Census Tract	951700

Owner

Source: Worcester County records · APN 10-373174

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	PO BOX 68, OCEAN CITY, MD 21843-0068
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	May 11, 2005 · Amount on Record
Deed Sale	May 11, 2005 · Amount on Record
Prior Sale	Aug 28, 2001 · Amount on Record
Deed Doc Number	2005355481
Deed Book / Page	4428 / 242
Record Refreshed	Sep 20, 2026

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		$801,833 (+37.03%)	$848,500 (+8.99%) Land $253,600 Building $594,900
2025	$7,185.00 (+28.3%)
2023	$5,600.00	$585,167	$778,500 Land $253,600 Building $524,900

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	5.0 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.