Worcester County property record for 12905 Harbor Rd, Ocean City, MD 21842
| Property Type | Office Building |
|---|---|
| Details | 432 sqft · built 2001 |
| Lot Size | 0.495 acres (21,558 sqft) |
| Owner | Company Name on Record |
| Last Sale | $4,265,562 (Jul 2026) |
| Tax Bill | $14,965 (2026) |
| Deeds & Mortgages | Oct 2026 Mortgage Jul 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 10-025273 |
| Primary APN | 10-025273 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 432 sqft Total Area |
| 1st Floor Area | 432 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Fire Resistance | Masonry Walls, Wood Interior |
| Lot Area | 21,558 sqft (0.495 acres) |
| Loading Dock | 2,200 sqft |
| Boat Access | Boat Access |
| Cooling System | Package A/C |
|---|---|
| Sewer | Connected |
| Account Number | 025273 |
|---|---|
| Street Address | 12905 HARBOR RD |
| City | OCEAN CITY |
| State | MD |
| Zip | 21842-9275 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Office Building |
| Local Zoning Code | CM |
| Legal Description | LOTS 55 56 57 N SIDE HARBOR RD PL OCEAN CITY HARBOR |
| Legal Subdivision | OCEAN CITY HARBOR |
| Legal Lot Number | 55,57 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 3, SINEPUXENT |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 951700 |
Source: Worcester County records, as of October 22, 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 Record |
|---|---|
| Mailing Address | 57 RANDOLPH RD, 200, SILVER SPRING, MD 20904-1244 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Oct 2, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF OCEAN CITY |
| Jul 22, 2026 | Special Warranty Deed, Transfer · Conventional Mortgage FIRST AMERICAN TITLE |
| Oct 5, 2021 | Special Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS |
| Oct 21, 2021 | Special Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMER TTL INS CO NCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 22, 2026 · Amount on Record |
| Deed Sale | Jul 22, 2026 · Amount on Record |
| Prior Sale | Oct 21, 2021 · Amount on Record |
| Deed Book / Page | 9187 / 205 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Oct 2, 2026 |
| Property Address | 12905 HARBOR RD, OCEAN CITY, MD 21842-9275 |
| Document Number | 9229000244 |
| Book / Page | 9229 / 244 |
| Instrument Date | Sep 22, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Document Number | 9229000244, |
|---|---|
| Date | Oct 2, 2026 |
| Book Page | 9229/244 |
| Name | BANK OF OCEAN CITY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Max Rate | -1% |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Jul 22, 2026 |
| Property Address | 12905 HARBOR RD, OCEAN CITY, MD 21842-9275 |
| Document Number | 9187000205 |
| Book / Page | 9187 / 205 |
| Instrument Date | Jul 16, 2026 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $430,821.56 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Document Number | 9187000234, |
|---|---|
| Date | Jul 22, 2026 |
| Book Page | 9187/234 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Oct 5, 2021 |
| Property Address | 12905 HARBOR RD, OCEAN CITY, MD 21842-9275 |
| Document Number | 0081860437 |
| Book / Page | 8186 / 437 |
| Map Reference | MB ODC2 FO 74 |
| Instrument Date | Sep 27, 2021 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 399 BOYLSTON ST # 12TH, BOSTON, MA 02116-3305 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Oct 21, 2021 |
| Property Address | 12905 HARBOR RD, OCEAN CITY, MD 21842-9275 |
| Document Number | 0082030323 |
| Book / Page | 8203 / 323 |
| Map Reference | MB ODC 2 FO 74 |
| Instrument Date | Sep 27, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2021 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMER TTL INS CO NCS |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 399 BOYLSTON ST # 12TH, BOSTON, MA 02116-3305 |
Source: Worcester County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Unified School District | Worcester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $14,965.00 (+19.84%) | $1,621,500 (+19.84%) | $1,890,000 (-) Land $1,788,300 Building $101,700 |
| 2025 | $12,487.00 (+40.98%) | $1,353,000 (+46.18%) | $1,890,000 (+74.27%) Land $1,788,300 Building $101,700 |
| 2023 | $8,857.00 | $925,600 | $1,084,500 Land $1,022,300 Building $62,200 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 5.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 121 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 301 units insured incl. 180 condo units |
| Nearby Flood Claims | 37 (1985–2016) |
| Claims Outside the SFHA | 15 of 37 |
| Most Recent Claim | Oct 2016 · rainfall accumulation |
| Claims by Event |
|
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 149 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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