12539 Deer Point Cir, Berlin, MD 21811 Property Records

Worcester County property record for 12539 Deer Point Cir, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,722 sqft · built 2002
Lot Size	0.248 acres (10,824 sqft)
Owner	2 Individual Names on Record
Last Sale	$387,000 (Sep 2017)
Tax Bill	$3,570 (2026)
Deeds & Mortgages	Jun 2022 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-366755`

Property Details

APN / Parcel Number

Primary APN	`10-366755`
Alternative APN	`366755`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,722 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,824 sqft (0.248 acres)
Garage Type	Built-in
Garage Area	452 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	366755
Street Address	12539 DEER POINT CIR
City	BERLIN
State	MD
Zip	21811-2568
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	LOT 60 10824 SQ FT DEER POINT CIRCLE DEER POINT SUBDIV
Legal Subdivision	DEER POINT CIRCLE DEER POINT SUB
Legal Lot Number	60
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1012
Census Tract	951700

Owner

Source: Worcester County records, as of October 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12539 DEER POINT CIR, BERLIN, MD 21811-2568
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 2, 2020	Deed of Trust, Mortgage · Conventional with PMI APEX HM LNS
Sep 27, 2017	Grant Deed, Transfer · Conventional with PMI APEX HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2017 · Amount on Record
Deed Sale	Sep 27, 2017 · Amount on Record
Prior Sale	Oct 8, 2002 · Amount on Record
Deed Document Number	20177083-198
Deed Book / Page	7083 / 198
Transfer Doc	0034520484
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	12539 DEER POINT CIR, BERLIN, MD 21811-2568
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12539 DEER POINT CIR, BERLIN, MD 21811-2568

Mortgage

Document Number	0084140471
Date	Jun 27, 2022
Book Page	8414/471

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	478 Months
Due	Apr 15, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	12539 DEER POINT CIR, BERLIN, MD 21811-2568
Document Number	0076310394
Instrument Date	Apr 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	OMNI LAND SETTLEMENT CORPORATION, OMNI LAND SETTLEMENT CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12539 DEER POINT CIR BERLIN MD 218112568, BERLIN, MD 21811-2568

Mortgage

Document Number	0076310394
Date	Apr 10, 2020
Book Page	007631/000394

Lender

Name	APEX HM LNS
Type	Funding / Finance Company
Address	ROCKVILLE, MD 20850

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2050

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WORCESTER MD
Recording Date	Sep 27, 2017
Property Address	12539 DEER POINT CIR, BERLIN, MD 21811-2568
Document Number	0070830198
Book / Page	007083 / 000198
Instrument Date	Sep 14, 2017
Transaction Type	Transfer
Record Updated	Nov 30, 2017
Title Company	CCN AGENCY PRIMUS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$387.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12539 DEER POINT CIR BERLIN MD 218112568, BERLIN, MD 21811-2568

Mortgage

Document Number	70830204
Date	Sep 27, 2017
Book Page	007083/000204

Lender

Name	APEX HM LNS
Type	Funding / Finance Company
Address	ROCKVILLE, MD 20852

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2047

Tax Assessment & Valuation

Source: Worcester County assessment roll, as of October 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,570.00 (+0.39%) Homeowner's exemption	$482,500 (-0.49%) Land $90,000 Building $392,500	$482,500 (-0.49%) Land $90,000 Building $392,500
2025	$3,556.00 (+4.25%) Homeowner's exemption	$484,900 (+22.01%) Land $90,000 Building $394,900	$484,900 (-) Land $90,000 Building $394,900
2023	$3,411.00 Homeowner's exemption	$397,433	$484,900 Land $90,000 Building $394,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 271 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	274 units insured incl. 3 condo units
Nearby Flood Claims	107 (1991–2012)
Claims Outside the SFHA	4 of 107
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Hurricane Sandy, Oct 2012 · 15 claims Hurricane Isabel, Sep 2003 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MYSTIC HARBOUR serves 5,945 people · EPA ID MD0230011
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Eastern Shore Communications, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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