131 Teal Cir, Berlin, MD 21811 Property Records

Worcester County property record for 131 Teal Cir, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,536 sqft · built 1976
Lot Size	0.197 acres (8,586 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Nov 2015)
Tax Bill	$3,174 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit May 2020 Line of Credit + 5 more
Flood Zone	Zone X (moderate risk)
APN	`03-085279`

Property Details

APN / Parcel Number

Primary APN	`03-085279`
Alternative APN	`085279`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,536 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,586 sqft (0.197 acres)
View / Lot	Waterfront
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	816 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	085279
Street Address	131 TEAL CIR
City	BERLIN
State	MD
Zip	21811-1531
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT W-04-239 8586 SQ FT TEAL CIRCLE PL OCEAN PINES SEC 4
Legal Subdivision	OCEAN PINES
Legal Lot Number	239
Jurisdiction	WORCESTER MD
Township / Civil Division	6, NORTHERN
Census Block Group	1
Census Block	1001
Census Tract	950600

Owner

Source: Worcester County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	131 TEAL CIR, BERLIN, MD 21811-1531
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Deed of Trust, Mortgage · Line of Credit STATE EMP CREDIT UNION/MD
May 5, 2020	Deed of Trust, Mortgage · Line of Credit TOWER FCU
May 25, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Apr 14, 2022	Deed of Trust, Mortgage · Unknown STATE EMPLOYEES CU OF MARYLAND INC
Apr 17, 2020	Deed of Trust, Mortgage · Conventional with PMI PRIME LNDG
Aug 27, 2018	Deed of Trust, Mortgage NAVY FCU
Apr 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2015 · Amount on Record
Deed Sale	Nov 3, 2015 · Amount on Record
Prior Sale	Sep 25, 2008 · Amount on Record
Deed Book / Page	6663 / 157
Prior Transfer Date	May 1, 2008
Prior Transfer Doc	0051030424
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Recording Date	Jul 1, 2026
Property Address	131 TEAL CIR, BERLIN, MD 21811-1531
Document Number	9179000350
Book / Page	9179 / 350
Instrument Date	Jun 26, 2026
Transaction Type	Mortgage
Record Updated	Jul 10, 2026
Title Company	SECU TITLE SERVICES LLC, SECU TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 TEAL CIR, BERLIN, MD 21811-1531
Investor	Possibly a Property Investor

Mortgage

Document Number	9179000350,
Date	Jul 1, 2026
Book Page	9179/350

Lender

Name	STATE EMP CREDIT UNION/MD

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	131 TEAL CIR, BERLIN, MD 21811-1531
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0076490383
Date	May 5, 2020
Book Page	7649/383

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	131 TEAL CIR, BERLIN, MD 21811-1531
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080650351
Date	May 25, 2021
Book Page	8065/351

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	131 TEAL CIR, BERLIN, MD 21811-1531
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0083590362
Date	Apr 14, 2022
Book Page	8359/362

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Unknown
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	131 TEAL CIR, BERLIN, MD 21811-1531
Document Number	0076490361
Instrument Date	Apr 17, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 TEAL CIR OCEAN PINES MD 218111531, OCEAN PINES, MD 21811-1531

Mortgage

Document Number	0076490361
Date	May 5, 2020
Book Page	007649/000361

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 4, 2050

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	131 TEAL CIR, BERLIN, MD 21811-1531
Document Number	0072800318
Instrument Date	Aug 27, 2018
Transaction Type	Mortgage
Record Updated	Sep 19, 2018
Title Company	CHAMPION TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 TEAL CIR BERLIN MD 218111531, BERLIN, MD 21811-1531

Mortgage

Document Number	0072800318
Date	Sep 7, 2018
Book Page	007280/000318

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 6, 2048

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	131 TEAL CIR, BERLIN, MD 21811-1531
Document Number	0069920218
Book / Page	006992 / 000218
Instrument Date	Apr 21, 2017
Transaction Type	Mortgage
Record Updated	Jul 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 TEAL CIR BERLIN MD 218111531, BERLIN, MD 21811-1531

Mortgage

Document Number	0069920218
Date	May 5, 2017
Book Page	006992/000218

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	May 4, 2057

Tax Assessment & Valuation

Source: Worcester County assessment roll, as of July 31, 2025

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		$405,867 (+7.96%)	$435,800 (-) Land $200,100 Building $235,700
2025	$3,174.00 (+3.25%) Homeowner's exemption	$375,933 (+13.51%)	$435,800 (+25.95%) Land $200,100 Building $235,700
2023	$3,074.00 Homeowner's exemption	$331,200	$346,000 Land $180,600 Building $165,400

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

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 351 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	388 units insured incl. 37 condo units
Nearby Flood Claims	78 (1978–2021)
Claims Outside the SFHA	13 of 78
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 7 claims Hurricane Isabel, Sep 2003 · 3 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 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.

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 467 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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