12546 Deer Point Cir, Berlin, MD 21811 Property Records

Worcester County property record for 12546 Deer Point Cir, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,230 sqft · built 1998
Lot Size	0.233 acres (10,143 sqft)
Owner	Individual Name on Record
Last Sale	$422,500 (Jan 2021)
Tax Bill	$3,628 (2026)
Deeds & Mortgages	Dec 2022 Line of Credit Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-366178`

Property Details

APN / Parcel Number

Primary APN	`10-366178`
Alternative APN	`366178`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,230 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,143 sqft (0.233 acres)
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	453 sqft
Deck Area	252 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	366178
Street Address	12546 DEER POINT CIR
City	BERLIN
State	MD
Zip	21811-2550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	LOT 6 10143 SQ FT DEER POINT CIRCLE DEER POINT SUBDIV
Legal Subdivision	DEER POINT CIRCLE DEER POINT SUB
Legal Lot Number	6
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	1
Census Block	1007
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	Individual Name on Record
Mailing Address	12546 DEER POINT CIR, BERLIN, MD 21811-2550
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jan 14, 2021	Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2021 · Amount on Record
Deed Sale	Jan 14, 2021 · Amount on Record
Prior Sale	Jun 26, 2007 · Amount on Record
Deed Book / Page	7902 / 253
Transfer Doc	0041660331
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	12546 DEER POINT CIR, BERLIN, MD 21811-2550
Transaction Type	Mortgage
Record Updated	Dec 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12546 DEER POINT CIR CIE, BERLIN, MD 21811-2550

Mortgage

Document Number	0085000275
Date	Dec 1, 2022
Book Page	8500/275

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Nov 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Jan 14, 2021
Property Address	12546 DEER POINT CIR, BERLIN, MD 21811-2550
Document Number	0079020253
Book / Page	7902 / 253
Map Reference	MB RHO151 FO 6
Instrument Date	Dec 15, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	LAKESIDE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty

Mortgage

Document Number	0007902260
Date	Jan 14, 2021
Instrument	7902/260

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

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	$3,628.00 (-0.44%) Homeowner's exemption	$403,100 (-3.24%) Land $90,000 Building $313,100	$403,100 (-3.24%) Land $90,000 Building $313,100
2025	$3,644.00 (+10.66%) Homeowner's exemption	$416,600 (+21.06%) Land $90,000 Building $326,600	$416,600 (-) Land $90,000 Building $326,600
2023	$3,293.00	$344,133	$416,600 Land $90,000 Building $326,600

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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