Worcester County property record for 12535 Ocean Reef Dr, Berlin, MD 21811 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 3.5 Baths |
| Year Built | Built 2001 |
| Square Footage | 4,459 sqft Total Area |
| Lot Size | 104,544 sqft (2.4 acres) |
| Garage | Attached, 416 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $295,000 (2000) |
| Tax Bill | $10,443.00 (2025) |
| Primary APN | 10-373298 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 4,459 sqft Total Area |
| Stories | 4 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 104,544 sqft (2.4 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 416 sqft Garage |
| Pool Type | Spa/Hot Tub (Only) Pool Type |
|---|---|
| Deck Area | 491 sqft Deck |
| Porch Area | 1,328 sqft Porch |
| Boat Access | Boat Access |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Baseboard Heating |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 373298 |
|---|---|
| Street Address | 12535 OCEAN REEF DR |
| City | BERLIN |
| State | MD |
| Zip | 21811-2732 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 33A 2.40 ACS OCEAN REEF DR OCEAN REEF SUBDIV |
| Legal Subdivision | OCEAN REEF SUB |
| Legal Lot Number | 33A |
| Jurisdiction | WORCESTER MD |
| Minor Civil Division | 3, SINEPUXENT |
| Census Blockgroup | 1 |
| Census Block | 1007 |
| Census Tract | 951700 |
Source: Worcester County records · APN 10-373298
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 | 12535 OCEAN REEF DR, BERLIN, MD 21811-2732 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Apr 02, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 22, 2000 · Amount on Record |
| Deed Sale | Nov 22, 2000 · Amount on Record |
| Deed Doc Number | 2000330573 |
| Deed Book / Page | 2940 / 541 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 12535 OCEAN REEF DR, BERLIN, MD 21811-2732 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2021 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0081920246 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 8192/246 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 348 Months |
| Due | Oct 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 12535 OCEAN REEF DR, BERLIN, MD 21811-2732 |
| Document Number | 0071940239 |
| Instrument Date | Apr 02, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2018 |
| Name | Verified Name |
|---|---|
| Address | 12535 OCEAN REEF DR BERLIN MD 218112732, BERLIN, MD 21811-2732 |
| Document Number | 0071940239 |
|---|---|
| Date | Apr 18, 2018 |
| Book Page | 007194/000239 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $2,070,667 (+44.83%) | $2,139,600 (+5.08%) Land $433,500 Building $1,706,100 | |
| 2025 | $10,443.00 (+4.47%) Homeowner's exemption | ||
| 2023 | $9,996.00 Homeowner's exemption | $1,429,733 | $2,036,200 Land $433,500 Building $1,602,700 |
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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