13 Decatur St, Berlin, MD 21811 Property Records

Worcester County property record for 13 Decatur St, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,148 sqft · built 2023
Lot Size	0.3 acres (13,048 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (May 2022)
Tax Bill	$4,261 (2026)
Deeds & Mortgages	Nov 2022 Line of Credit May 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-123537`

Property Details

APN / Parcel Number

Primary APN	`03-123537`
Alternative APN	`123537`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,148 sqft Total Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,048 sqft (0.3 acres)
Garage Type	Carport
Garage Area	220 sqft
Carport	Carport
Carport Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	123537
Street Address	13 DECATUR ST
City	BERLIN
State	MD
Zip	21811-1355
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 20 13048 SQ FT DECATUR STREET EXTENDED PL GULL CREEK ESTATES
Legal Subdivision	GULL CREEK ESTATES
Legal Lot Number	20
Jurisdiction	WORCESTER MD
Township / Civil Division	2, CENTRAL
Census Block Group	3
Census Block	3004
Census Tract	951000

Owner

13 Decatur St is owned and occupied by an individual who bought it in May 2022.

Source: Worcester County records, as of October 6, 2026

Owner of Record	Individual Name on File
Mailing Address	13 DECATUR ST, BERLIN, MD 21811-1355
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Deed of Trust, Mortgage · Line of Credit HEBRON SAVINGS BANK
May 12, 2022	Deed, Transfer NOT AVAILABLE, MID ATLANTIC T&E CO INC
Mar 26, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2022 · Amount on File
Deed Sale	May 12, 2022 · Amount on File
Prior Sale	Mar 26, 2019 · Amount on File
Deed Book / Page	8383 / 33
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	13 DECATUR ST, BERLIN, MD 21811-1355
Transaction Type	Mortgage
Record Updated	Dec 7, 2022
Title Company	MID ATLANTIC T&E CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11647 BEAUCHAMP RD 38, 38, BERLIN, MD 21811-3111

Mortgage

Document Number	0084970113
Date	Nov 22, 2022
Book Page	8497/113

Lender

Name	HEBRON SAVINGS BANK
Type	Bank
Address	HEBRON, MD 21830

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	366 Months
Due	May 15, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	May 12, 2022
Property Address	13 DECATUR ST, BERLIN, MD 21811-1355
Document Number	0083830033
Book / Page	8383 / 33
Map Reference	MB WCL 105 FO 63
Instrument Date	May 5, 2022
Transaction Type	Transfer
Record Updated	Nov 1, 2022
Title Company	NOT AVAILABLE, MID ATLANTIC T&E CO INC

Transaction

Amount	Amount 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 by the Entirety
Address	11647 BEAUCHAMP RD APT 38, 38, BERLIN, MD 21811-3111

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WORCESTER MD
Recording Date	Mar 26, 2019
Property Address	13 DECATUR ST, BERLIN, MD 21811-1355
Document Number	0073860005
Book / Page	007386 / 000005
Instrument Date	Mar 20, 2019
Transaction Type	Transfer
Record Updated	Apr 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$60.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10222 OLD OCEAN CITY BLVD BERLIN MD 218111131, BERLIN, MD 21811-1131

Tax Assessment & Valuation

The 2026 property tax bill for 13 Decatur St was $4,261 with a homeowner's exemption, up 2.8% from the year before.

Source: Worcester County assessment roll, as of October 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,261.00 (+2.77%) Homeowner's exemption	$258,100	$272,200 Land $68,900 Building $203,300
2025	$4,146.00 Homeowner's exemption
2023	$979.00	$54,900 Land $54,900	$54,900 Land $54,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 13 Decatur St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	4 (1989–1998)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Feb 1998 · rainfall accumulation

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

Wildfire risk around 13 Decatur St is low, with a 0.03% annual chance of 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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOWN OF BERLIN serves 4,500 people · EPA ID MD0230001
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	5 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 182 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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