Worcester County property record for 12544 Ocean Reef Dr, Berlin, MD 21811 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 5 Baths |
| Year Built | Built 2017 |
| Square Footage | 4,006 sqft Total Area |
| Lot Size | 40,248 sqft (0.924 acres) |
| Garage | Built-in, 635 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $490,000 (2015) |
| Tax Bill | $10,266.00 (2025) |
| Primary APN | 10-373204 |
|---|---|
| Alternative APN |
|
| Full Baths | 5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 4,006 sqft Total Area |
| Stories | 2 Stories |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 40,248 sqft (0.924 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Built-in Garage |
| Garage Area | 635 sqft Garage |
| Pool Area | 612 sqft Pool |
|---|---|
| Deck Area | 722 sqft Deck |
| Porch Area | 67 sqft Porch |
| Boat Access | Boat Access |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Account Number | 373204 |
|---|---|
| Street Address | 12544 OCEAN REEF DR |
| City | BERLIN |
| State | MD |
| Zip | 21811-2726 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 25 40248 SQ FT OCEAN REEF DR OCEAN REEF SUBDIV |
| Legal Subdivision | OCEAN REEF SUB |
| Legal Lot Number | 25 |
| Jurisdiction | WORCESTER MD |
| Minor Civil Division | 3, SINEPUXENT |
| Census Blockgroup | 1 |
| Census Block | 1007 |
| Census Tract | 951700 |
Source: Worcester County records · APN 10-373204
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 | 218 E MAIN ST, SALISBURY, MD 21801-4923 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Sep 27, 2018 | Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR |
| Dec 21, 2017 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 18, 2015 · Amount on Record |
| Deed Sale | Sep 18, 2015 · Amount on Record |
| Prior Sale | Jul 15, 2005 · Amount on Record |
| Deed Book / Page | 6634 / 254 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 12544 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | DELMARVA TITLE |
| Name | Verified Name |
|---|
| Document Number | 0076570351 |
|---|---|
| Date | May 13, 2020 |
| Book Page | 7657/351 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 12544 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Document Number | 0073090322 |
| Instrument Date | Sep 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 08, 2018 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|---|
| Address | 12544 OCEAN REEF DR BERLIN MD 218112726, BERLIN, MD 21811-2726 |
| Document Number | 0073090322 |
|---|---|
| Date | Oct 25, 2018 |
| Book Page | 007309/000322 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 12544 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Document Number | 0071470220 |
| Book / Page | 007147 / 000220 |
| Instrument Date | Dec 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2018 |
| Name | Verified Name |
|---|---|
| Address | 12544 OCEAN REEF DR BERLIN MD 21811, BERLIN, MD 21811 |
| Document Number | 0071470220 |
|---|---|
| Date | Jan 11, 2018 |
| Book Page | 007147/000220 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| 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 | $1,137,500 (+13.14%) | $1,187,900 (+6.8%) Land $426,400 Building $761,500 | |
| 2025 | $10,266.00 (+6.7%) Homeowner's exemption | ||
| 2023 | $9,621.00 | $1,005,367 | $1,112,300 Land $426,400 Building $685,900 |
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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