14 Meadow St, Berlin, MD 21811 Property Records

Worcester County property record for 14 Meadow St, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,240 sqft · built 1999
Lot Size	0.247 acres (10,755 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Oct 2020)
Tax Bill	$6,544 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-123723`

Property Details

APN / Parcel Number

Primary APN	`03-123723`
Alternative APNs	`3123723` `123723`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,240 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,755 sqft (0.247 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	48 sqft
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	123723
Street Address	14 MEADOW ST
City	BERLIN
State	MD
Zip	21811-1300
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 39 10755 SQ FT MEADOW STREET PL GULL CREEK ESTATES
Legal Subdivision	GULL CREEK ESTATES
Legal Lot Number	39
Jurisdiction	WORCESTER MD
Township / Civil Division	2, CENTRAL
Census Block Group	3
Census Block	3004
Census Tract	951000

Owner

14 Meadow St is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	14 MEADOW ST, BERLIN, MD 21811-1300
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
Oct 19, 2020	Deed, Transfer · Conventional Mortgage M & T BANK
Apr 19, 2018	Deed, Transfer · VA Mortgage PENTAGON FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2020 · Amount on File
Deed Sale	Oct 19, 2020 · Amount on File
Prior Sale	Apr 19, 2018 · Amount on File
Deed Book / Page	7803 / 213
Record Updated	Oct 29, 2026

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Oct 19, 2020
Property Address	14 MEADOW ST, BERLIN, MD 21811-1300
Document Number	0078030213
Book / Page	7803 / 213
Map Reference	MB WCL 105 FO 63
Instrument Date	Aug 27, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CERTIFIED TITLE CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	Joint Tenants with Right of Survivorship
Address	14 MEADOW ST, BERLIN, MD 21811-1300

Mortgage

Document Number	0007803219
Date	Oct 19, 2020
Instrument	7803/219

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2050

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Apr 19, 2018
Property Address	14 MEADOW ST, BERLIN, MD 21811-1300
Document Number	0071970108
Book / Page	7197 / 108
Map Reference	MB WCL105 FO63
Instrument Date	Apr 17, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CAPITOL TITLE INS AGENCY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,322.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 MEADOW ST, BERLIN, MD 21811-1300

Mortgage

Document Number	0007197114
Date	Apr 19, 2018
Instrument	7197/114

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 14 Meadow St was $6,544, up 5.8% 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	$6,544.00 (+5.8%)	$374,733	$395,300 Land $66,600 Building $328,700
2025	$6,185.00
2023	$5,379.00	$301,433	$333,600 Land $66,600 Building $267,000

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

Flood

FEMA maps place 14 Meadow St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1989.

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
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 14 Meadow St is low, with a 0.02% 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	0.02% 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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