12547 Ocean Reef Dr, Berlin, MD 21811 Property Records

Worcester County property record for 12547 Ocean Reef Dr, Berlin, MD 21811 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	5.5 Baths
Year Built	Built 2004
Square Footage	8,136 sqft Total Area
Lot Size	50,965 sqft (1.17 acres)
Garage	Built-in, 780 sqft
Occupancy	Owner Occupied
Last Sale	$249,900 (1999)
Tax Bill	$14,733.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`10-373220`
Alternative APN	`373220`

Interior

Full Baths	5.5 Baths
Partial Baths	1 Partial Baths
Building Area	8,136 sqft Total Area
Stories	3 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces
Elevator	Elevator

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Siding Exterior
Roof Material	Composition Shingle Roof
Lot Area	50,965 sqft (1.17 acres)
Parking Spaces	3 Parking Spaces
Garage Type	Built-in Garage
Garage Area	780 sqft Garage

Exterior Amenities

Pool Area	450 sqft Pool
Deck Area	787 sqft Deck
Patio Area	950 sqft Patio
Porch Area	216 sqft Porch
Boat Access	Boat Access

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	373220
Street Address	12547 OCEAN REEF DR
City	BERLIN
State	MD
Zip	21811-2732
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 27 1.17 ACS OCEAN REEF DR OCEAN REEF SUBDIV
Legal Subdivision	OCEAN REEF SUB
Legal Lot Number	27
Jurisdiction	WORCESTER MD
Minor Civil Division	3, SINEPUXENT
Census Blockgroup	1
Census Block	1007
Census Tract	951700

Owner

Source: Worcester County records · APN 10-373220

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	12547 OCEAN REEF DR, BERLIN, MD 21811-2732
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 03, 1999 · Amount on Record
Deed Sale	Aug 03, 1999 · Amount on Record
Deed Doc Number	1999318598
Deed Book / Page	2732 / 170
Record Refreshed	Sep 20, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	12547 OCEAN REEF DR, BERLIN, MD 21811-2732
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073660300
Date	Feb 19, 2019
Book Page	7366/300

Lender

Name	RECOVCO MORTGAGE MANAGEMENT LLC
Address	IRVING, TX 75038

Agreement

Type	Adjustable Rate Mortgage (ARM)
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	7.46%
Type Change Date	Feb 01, 2024
Change Frequency	Annually
Min Rate At Change	7.46%
Max Rate At Change	9.46%
Index	1-Year LIBOR
Max Rate	12.4%

Tax Assessment & Valuation

Source: Worcester County records · Assessment roll updated July 31, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Worcester County
Unified School District	Worcester County Public Schools (PK - 12)

Tax Bill & Assessment History

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		$2,929,900 (+1.84%)	$3,035,700 (+5.52%) Land $430,400 Building $2,605,300
2025	$14,733.00 (+4.34%) Homeowner's exemption	$2,877,000 (+46.46%) Land $430,400 Building $2,446,600	$2,877,000 (-) Land $430,400 Building $2,446,600
2023	$14,120.00 Homeowner's exemption	$1,964,400	$2,877,000 Land $430,400 Building $2,446,600

Flood & Wildfire

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

Flood

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

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.