Worcester County property record for 12545 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 | 3,404 sqft Total Area |
| Lot Size | 23,303 sqft (0.535 acres) |
| Garage | Built-in, 1,696 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $1,250,000 (2017) |
| Tax Bill | $10,746.00 (2025) |
| Primary APN | 10-373239 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 3,404 sqft Total Area |
| Stories | 3 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Elevator | Elevator |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 23,303 sqft (0.535 acres) |
| Parking Spaces | 6 Parking Spaces |
| Garage Type | Built-in Garage |
| Garage Area | 1,696 sqft Garage |
| Pool Area | 450 sqft Pool |
|---|---|
| Deck Area | 600 sqft Deck |
| Porch Area | 925 sqft Porch |
| Boat Access | Boat Access |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 373239 |
|---|---|
| Street Address | 12545 OCEAN REEF DR |
| City | BERLIN |
| State | MD |
| Zip | 21811-2732 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 28 23303 SQ FT OCEAN REEF DR OCEAN REEF SUBDIV |
| Legal Subdivision | OCEAN REEF SUB |
| Legal Lot Number | 28 |
| Jurisdiction | WORCESTER MD |
| Minor Civil Division | 3, SINEPUXENT |
| Census Blockgroup | 1 |
| Census Block | 1007 |
| Census Tract | 951700 |
Source: Worcester County records · APN 10-373239
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 | 12545 OCEAN REEF DR, BERLIN, MD 21811-2732 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 14, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA |
| May 09, 2017 | Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 09, 2017 · Amount on Record |
| Deed Sale | May 09, 2017 · Amount on Record |
| Prior Sale | Jul 20, 1999 · Amount on Record |
| Deed Doc Number | 20176993-454 |
| Deed Book / Page | 6993 / 454 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | May 14, 2026 |
| Property Address | 12545 OCEAN REEF DR, BERLIN, MD 21811-2732 |
| Document Number | 9147000404 |
| Book / Page | 9147 / 404 |
| Instrument Date | May 07, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 12545 OCEAN REEF DR, BERLIN, MD 21811-2732 |
| Document Number | 9147000404, |
|---|---|
| Date | May 14, 2026 |
| Book Page | 9147/404 |
| Name | BANK OF AMIERCA NA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 07, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | May 09, 2017 |
| Property Address | 12545 OCEAN REEF DR, BERLIN, MD 21811-2732 |
| Document Number | 0069930454 |
| Book / Page | 6993 / 454 |
| Map Reference | MB SVH158 FO61 |
| Instrument Date | May 05, 2017 |
| Instrument | 6993-454 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | CAPITOL TITLE INS AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $12,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 1408 E MACPHAIL RD, BEL AIR, MD 21015-5611 |
| Document Number | 6993460 |
|---|---|
| Date | May 09, 2017 |
| Instrument | 6993-460 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2047 |
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 | $1,210,400 (+1.11%) | $1,237,000 (+3.33%) Land $409,500 Building $827,500 | |
| 2025 | $10,746.00 (+6.45%) Homeowner's exemption | $1,197,100 (+13.48%) Land $409,500 Building $787,600 | $1,197,100 (-) Land $409,500 Building $787,600 |
| 2023 | $10,095.00 | $1,054,900 | $1,197,100 Land $409,500 Building $787,600 |
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 X |
|---|---|
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 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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