Worcester County property record for 12542 Ocean Reef Dr, Berlin, MD 21811 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 6 ba · 5,412 sqft · built 2004 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,100,000 (Apr 2023) |
| Tax Bill | $11,329 (2025) |
| Deeds & Mortgages | Mar 2023 Second Mortgage Apr 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 10-373190 |
| Primary APN | 10-373190 |
|---|---|
| Alternative APN |
|
| Full Baths | 6 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 5,412 sqft Total Area |
| Utility Area | 2,158 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Siding |
| Roof Material | Metal |
| Lot Area | 130,680 sqft (3 acres) |
| View / Lot | Waterfront |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 897 sqft |
| Deck Area | 681 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 373190 |
|---|---|
| Street Address | 12542 OCEAN REEF DR |
| City | BERLIN |
| State | MD |
| Zip | 21811-2726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 24A 3 ACS OCEAN REEF DR OCEAN REEF SUBDIV |
| Legal Subdivision | OCEAN REEF SUB |
| Legal Lot Number | 3,24A |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 3, SINEPUXENT |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 951700 |
Source: Worcester County records · APN 10-373190
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 | PO BOX 3129, OCEAN CITY, MD 21843-3129 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 29, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MARY JANE WALLS |
| Apr 26, 2023 | Personal Representative Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC |
| Jun 27, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MARY J WALLS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 26, 2023 · Amount on Record |
| Deed Sale | Apr 26, 2023 · Amount on Record |
| Prior Sale | Apr 24, 2001 · Amount on Record |
| Deed Book / Page | 8564 / 202 |
| Prior Transfer Date | Mar 06, 2012 |
| Prior Transfer Doc | 0058510004 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 12542 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Transaction Type | Mortgage |
| Record Updated | May 01, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0085500143 |
|---|---|
| Date | Mar 29, 2023 |
| Book Page | 8550/143 |
| Name | MARY JANE WALLS |
|---|---|
| Type | Private Party |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Apr 26, 2023 |
| Property Address | 12542 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Document Number | 0085640202 |
| Book / Page | 8564 / 202 |
| Map Reference | MB 163 FO 71 |
| Instrument Date | Apr 17, 2023 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2023 |
| Title Company | CAPITOL TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | PO BOX 3129, OCEAN CITY, MD 21843-3129 |
| Document Number | 0085640209 |
|---|---|
| Date | Apr 26, 2023 |
| Instrument | 8564-0209 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 12542 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Document Number | 0070320006 |
| Book / Page | 007032 / 000006 |
| Instrument Date | Jun 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 110 KENMAR DR SOMERSET MA 027264905, SOMERSET, MA 02726-4905 |
| Document Number | 0070320006 |
|---|---|
| Date | Jun 20, 2017 |
| Book Page | 007032/000006 |
| Name | MARY J WALLS |
|---|---|
| Address | 110 KENMAR DR, SOMERSET, MA 02726-4905 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $1,377,200 (+5.78%) | $1,527,600 (+17.33%) Land $392,000 Building $1,135,600 | |
| 2025 | $11,329.00 (+3.18%) Homeowner's exemption | $1,302,000 (+13.47%) Land $392,000 Building $910,000 | $1,302,000 (-) Land $392,000 Building $910,000 |
| 2023 | $10,980.00 | $1,147,400 | $1,302,000 Land $392,000 Building $910,000 |
Source: FEMA National Flood Hazard Layer, Worcester County (24047C), updated June 4, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240479517001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 6.0 ft |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 271 individual NFIP policies nearby |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 274 units insured 3 under condo master policies |
| Nearby Flood Claims | 107 (1991–2012) |
| Claims Outside the SFHA | 4 of 107 |
| Most Recent Claim | Oct 2012, tidal / storm surge, Hurricane Sandy |
| Claims By Storm |
|
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 24 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures