Worcester County property record for 12546 Ocean Reef Dr, Berlin, MD 21811 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 4 Baths |
| Year Built | Built 2001 |
| Square Footage | 3,961 sqft Total Area |
| Lot Size | 108,464 sqft (2.49 acres) |
| Garage | Built-in, 1,581 sqft |
| Pool | In-Ground Vinyl Pool |
| Last Sale | $2,500,000 (2023) |
| Tax Bill | $21,263.00 (2025) |
| Primary APN | 10-373212 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Partial Baths | 2 Partial Baths |
| Building Area | 3,961 sqft Total Area |
| Stories | 3 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 108,464 sqft (2.49 acres) |
| Parking Spaces | 5 Parking Spaces |
| Garage Type | Built-in Garage |
| Garage Area | 1,581 sqft Garage |
| Pool Type | In-Ground Vinyl Pool Pool Type |
|---|---|
| Pool Area | 455 sqft Pool |
| Deck Area | 496 sqft Deck |
| Patio Area | 255 sqft Patio |
| 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 | 373212 |
|---|---|
| Street Address | 12546 OCEAN REEF DR |
| City | BERLIN |
| State | MD |
| Zip | 21811-2726 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 26A 2.49 ACS OCEAN REEF DR BNDY LN/ESMT ADJ LTS 24 |
| Legal Subdivision | OCEAN REEF |
| Legal Lot Number | 24,26A |
| Jurisdiction | WORCESTER MD |
| Minor Civil Division | 3, SINEPUXENT |
| Census Blockgroup | 1 |
| Census Block | 1007 |
| Census Tract | 951700 |
Source: Worcester County records · APN 10-373212
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 | Company Name on File |
|---|---|
| Mailing Address | 15411 BARNES RD, NEW WINDSOR, MD 21776-7619 |
| Owner Type | Owner is a Company |
| Vesting | Owner is a Trust, Revocable Trust |
| Date | Document |
|---|---|
| Sep 27, 2023 | Deed, Transfer |
| Jun 12, 2018 | Deed of Trust, Mortgage · Line of Credit BANK AMERICA FSB |
| Jun 30, 2021 | Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 27, 2023 · Amount on Record |
| Deed Sale | Sep 27, 2023 · Amount on Record |
| Prior Sale | Jun 30, 2021 · Amount on Record |
| Deed Book / Page | 8643 / 477 |
| Last Transfer Date | May 28, 2024 |
| Transfer Doc | 0087820433 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Sep 27, 2023 |
| Property Address | 12546 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Document Number | 0086430477 |
| Book / Page | 8643 / 477 |
| Map Reference | MB SVH 163 FO 71-76 |
| Instrument Date | Sep 26, 2023 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $12,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 15411 BARNES ROAD, NEW MIDWAY, MD 21775 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 12546 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0072290453 |
|---|---|
| Date | Jun 12, 2018 |
| Book Page | 7229/453 |
| Name | BANK AMERICA FSB |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 16, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Jun 30, 2021 |
| Property Address | 12546 OCEAN REEF DR, BERLIN, MD 21811-2726 |
| Document Number | 0081070290 |
| Book / Page | 8107 / 290 |
| Map Reference | MB 163 FO 71 |
| Instrument Date | Jun 23, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12546 OCEAN REEF DR, BERLIN, MD 21811-2726 |
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 | $2,335,467 (+1.37%) | $2,398,600 (+4.11%) Land $433,700 Building $1,964,900 | |
| 2025 | $21,263.00 (+53.15%) | $2,303,900 (+58.8%) Land $433,700 Building $1,870,200 | $2,303,900 (-) Land $433,700 Building $1,870,200 |
| 2023 | $13,884.00 | $1,450,833 | $2,303,900 Land $433,700 Building $1,870,200 |
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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