13 White Horse Dr, Berlin, MD 21811 Property Records

Worcester County property record for 13 White Horse Dr, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,148 sqft · built 1989
Lot Size	0.177 acres (7,700 sqft)
Owner	Individual Name on File
Last Sale	$274,900 (Jan 2020)
Tax Bill	$3,172 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-093174`

Property Details

APN / Parcel Number

Primary APN	`03-093174`
Alternative APN	`093174`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,148 sqft Total Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,700 sqft (0.177 acres)
Porch	Slab
Porch Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	093174
Street Address	13 WHITE HORSE DR
City	BERLIN
State	MD
Zip	21811-1610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT B O1 OO7 WHITE HORSE DRIVE PLAT OCEAN PINES SEC 1
Legal Subdivision	OCEAN PINES SECTION ONE
Legal Lot Number	B,O1
Jurisdiction	WORCESTER MD
Township / Civil Division	6, NORTHERN
Census Block Group	1
Census Block	1006
Census Tract	950700

Owner

13 White Horse Dr is owned and occupied by an individual who bought it in January 2020.

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

Owner of Record	Individual Name on File
Mailing Address	13 WHITE HORSE DR, BERLIN, MD 21811-1610
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
Aug 4, 2021	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Jan 17, 2020	Grant Deed, Transfer · VA Mortgage EVOLVE BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2020 · Amount on File
Deed Sale	Jan 17, 2020 · Amount on File
Prior Sale	Jun 1, 2007
Deed Book / Page	7577 / 386
Prior Transfer Date	May 23, 2007
Prior Transfer Doc	0049380099
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	13 WHITE HORSE DR, OCEAN PINES, MD 21811-1610
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081320206
Date	Aug 4, 2021
Book Page	8132/206

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	355 Months
Due	Mar 1, 2051

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WORCESTER MD
Recording Date	Jan 17, 2020
Property Address	13 WHITE HORSE DR, OCEAN PINES, MD 21811-1610
Document Number	0075770386
Book / Page	007577 / 000386
Instrument Date	Dec 27, 2019
Transaction Type	Transfer
Record Updated	Feb 5, 2020
Title Company	REAL ESTATE TITLE AND ESCROW, REAL ESTATE TITLE & ESCROW

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	13 WHITE HORSE DR BERLIN MD 218111610, BERLIN, MD 21811-1610

Mortgage

Document Number	75770393
Date	Jan 17, 2020
Book Page	007577/000393

Lender

Name	EVOLVE BK&TR
Type	Bank
Address	MEMPHIS, TN 38119

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 13 White Horse Dr was $3,172, up 7% from the year before.

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	$3,172.00 (+6.98%)	$343,733 (+6.99%)	$366,200 (-) Land $80,700 Building $285,500
2025	$2,965.00	$321,267	$366,200 Land $80,700 Building $285,500
2023	$2,740.00	$286,333	$298,800 Land $80,700 Building $218,100

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

Flood

FEMA maps place 13 White Horse Dr 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 155 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	155 in force
Nearby Flood Claims	26 (1985–2024)
Claims Outside the SFHA	14 of 26
Most Recent Claim	Sep 2024 · other causes
Claims by Event	Hurricane Sandy, Oct 2012 · 2 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

Wildfire risk around 13 White Horse Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	Under 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	OCEAN PINES serves 11,890 people · EPA ID MD0230005
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	3 ppb (2021–2023) 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 602 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	2,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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