Worcester County property record for 12531 Ocean Reef Dr, Berlin, MD 21811 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 5 Baths |
| Year Built | Built 2001 |
| Square Footage | 4,129 sqft Total Area |
| Lot Size | 21,127 sqft (0.485 acres) |
| Garage | Attached, 576 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $779,000 (2018) |
| Tax Bill | $6,519.00 (2025) |
| Primary APN | 10-373328 |
|---|---|
| Alternative APN |
|
| Full Baths | 5 Baths |
|---|---|
| Building Area | 4,129 sqft Total Area |
| Stories | 2 Stories |
| Utility Area | 110 sqft Utility Area |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Siding Exterior |
| Construction Type | Frame Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 21,127 sqft (0.485 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 576 sqft Garage |
| Pool Type | In-Ground Vinyl Pool Pool Type |
|---|---|
| Pool Area | 288 sqft Pool |
| Deck Area | 225 sqft Deck |
| Porch Area | 602 sqft Porch |
| Bath House | 360 sqft Bath House |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 373328 |
|---|---|
| Street Address | 12531 OCEAN REEF DR |
| City | BERLIN |
| State | MD |
| Zip | 21811-2732 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 35 21127 SQ FT OCEAN REEF DRIVE OCEAN REEF SUBDIV |
| Legal Subdivision | OCEAN REEF DRIVE OCEAN REEF SUB |
| Legal Lot Number | 35 |
| Jurisdiction | WORCESTER MD |
| Minor Civil Division | 3, SINEPUXENT |
| Census Blockgroup | 1 |
| Census Block | 1007 |
| Census Tract | 951700 |
Source: Worcester County records · APN 10-373328
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 | Individual Name on File |
|---|---|
| Mailing Address | 12531 OCEAN REEF DR, BERLIN, MD 21811-2732 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE |
| Jun 18, 2018 | Grant Deed, Transfer EMBRACE HM LOANS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 18, 2018 · Amount on Record |
| Deed Sale | Jun 18, 2018 · Amount on Record |
| Prior Sale | May 11, 2005 · Amount on Record |
| Deed Book / Page | 7234 / 3 |
| Transfer Doc | 0000345035 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 12531 OCEAN REEF DR, BERLIN, MD 21811-2732 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0081020347 |
|---|---|
| Date | Jun 28, 2021 |
| Book Page | 8102/347 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Jun 18, 2018 |
| Property Address | 12531 OCEAN REEF DR, BERLIN, MD 21811-2732 |
| Document Number | 0072340003 |
| Book / Page | 007234 / 000003 |
| Instrument Date | Jun 01, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jul 03, 2018 |
| Title Company | CAPITOL TITLE COMPANY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $779.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12531 OCEAN REEF DR BERLIN MD 218112732, BERLIN, MD 21811-2732 |
| Document Number | 72340010 |
|---|---|
| Date | Jun 18, 2018 |
| Book Page | 007234/000010 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 17, 2048 |
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 | $1,053,900 (+36.31%) | $1,175,500 (+18.37%) Land $246,100 Building $929,400 | |
| 2025 | $6,519.00 (+4.32%) Homeowner's exemption | ||
| 2023 | $6,249.00 Homeowner's exemption | $773,167 | $993,100 Land $246,100 Building $747,000 |
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 | 5.0 ft |
| Wildfire Risk | Low above 5% of the US · above 11% of Maryland |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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