Worcester County property record for 12529 Ocean Reef Dr, Berlin, MD 21811 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,879 sqft · built 2014 |
| Lot Size | 0.914 acres (39,798 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $92,500 (Jul 2013) |
| Tax Bill | $5,139 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage Dec 2020 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 10-373336 |
| Primary APN | 10-373336 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,879 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 39,798 sqft (0.914 acres) |
| View / Lot | Waterfront |
| Garage Type | Built-in |
| Garage Area | 900 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 420 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 72 sqft |
| Deck Area | 300 sqft |
| Patio Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 373336 |
|---|---|
| Street Address | 12529 OCEAN REEF DR |
| City | BERLIN |
| State | MD |
| Zip | 21811-2732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 36 39798 SQ FT OCEAN REEF DRIVE OCEAN REEF SUBDIV |
| Legal Subdivision | OCEAN REEF DRIVE OCEAN REEF SUB |
| Legal Lot Number | 36 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 3, SINEPUXENT |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 951700 |
Source: Worcester County records · APN 10-373336
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 | 12529 OCEAN REEF DR, BERLIN, MD 21811-2732 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 27, 2017 | Deed of Trust, Mortgage · Conventional Mortgage TOWER FEDERAL CREDIT UNION |
| Dec 09, 2020 | Deed of Trust, Mortgage · Line of Credit TOWER FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 19, 2013 · Amount on Record |
| Deed Sale | Jul 19, 2013 · Amount on Record |
| Prior Sale | Aug 01, 2012 · Amount on Record |
| Deed Book / Page | 6201 / 467 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 12529 OCEAN REEF DR, BERLIN, MD 21811-2732 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0069480006 |
|---|---|
| Date | Feb 27, 2017 |
| Book Page | 6948/006 |
| Instrument | 6948-006 |
| Name | TOWER FEDERAL CREDIT UNION |
|---|---|
| Type | Non-Lending Institution |
| Address | LAUREL, MD 20707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 25, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 12529 OCEAN REEF DR, BERLIN, MD 21811-2732 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0078640235 |
|---|---|
| Date | Dec 09, 2020 |
| Book Page | 7864/235 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 25, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $764,500 (+32.02%) | $804,500 (+8.06%) Land $264,700 Building $539,800 | |
| 2025 | $5,139.00 (+4.22%) Homeowner's exemption | ||
| 2023 | $4,931.00 Homeowner's exemption | $579,100 | $744,500 Land $264,700 Building $479,800 |
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 | 6.0 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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