Worcester County property record for 12541 Ocean Reef Dr, Berlin, MD 21811
| Property Type | Single Family Home |
|---|---|
| Details | 6.5 ba · 9,432 sqft · built 2005 |
| Lot Size | 4.32 acres (188,179 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $200,000 (Dec 2000) |
| Tax Bill | $30,281 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-373255 |
| Primary APN | 10-373255 |
|---|---|
| Alternative APN |
|
| Full Baths | 6.5 Baths |
|---|---|
| Half Baths | 3 Half Baths |
| Stories | 3 Stories |
| Building Area | 9,432 sqft Total Area |
| Utility Area | 606 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Wood Shingle |
| Roof Material | Composition Shingle |
| Lot Area | 188,179 sqft (4.32 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 1,944 sqft |
| Parking Spaces | 6 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 324 sqft |
| Porch | Slab |
| Porch Area | 649 sqft |
| Patio Area | 112 sqft |
| Shed | 1 Shed |
| Shed Area | 361 sqft |
| Bath House | 621 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Account Number | 373255 |
|---|---|
| Street Address | 12541 OCEAN REEF DR |
| City | BERLIN |
| State | MD |
| Zip | 21811-2732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-5 |
| Legal Description | LTS 30 & 31 4.32 AC OCEAN REEF DR TEMP DEC OF CONSOL SVH 5 |
| Legal Subdivision | OCEAN REEF |
| Legal Lot Number | 30,31 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 3, SINEPUXENT |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 951700 |
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 Trust Names on Record |
|---|---|
| Mailing Address | 9919 STEPHEN DECATUR HWY, OCEAN CITY, MD 21842-9367 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 21, 2000 · Amount on Record |
| Deed Sale | Dec 21, 2000 · Amount on Record |
| Deed Document Number | 2000327346 |
| Deed Book / Page | 2955 / 103 |
| Record Updated | Oct 29, 2026 |
Source: Worcester County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Unified School District | Worcester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $30,281.00 (+1.44%) Homeowner's exemption | $5,168,433 (+42.9%) | $5,338,300 (+5.01%) Land $438,300 Building $4,900,000 |
| 2025 | $29,851.00 (+4.19%) Homeowner's exemption | ||
| 2023 | $28,650.00 Homeowner's exemption | $3,616,900 | $5,083,500 Land $438,300 Building $4,645,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 89% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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