Worcester County property record for 14 White Sail Cir, Berlin, MD 21811
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,312 sqft · built 1991 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $429,000 (Jun 2026) |
| Tax Bill | $2,549 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Oct 2025 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 03-092046 |
| Primary APN | 03-092046 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,312 sqft Total Area |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,500 sqft (0.172 acres) |
| View / Lot | Waterfront |
| Porch | Slab |
| Porch Area | 192 sqft |
| Deck Area | 312 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 092046 |
|---|---|
| Street Address | 14 WHITE SAIL CIR |
| City | BERLIN |
| State | MD |
| Zip | 21811-1514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT B-01-688 7500 SQ FT WHITE SAIL CR PL OCEAN PINES SEC 1 |
| Legal Subdivision | OCEAN PINES SEC 01 |
| Legal Lot Number | 688 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 6, NORTHERN |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 950700 |
Source: Worcester County records · APN 03-092046
Assessment roll updated July 31, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 14 WHITE SAIL CIR, BERLIN, MD 21811-1514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 23, 2026 | Special Warranty Deed, Transfer · Conventional Mortgage WESBANCO BANK INC |
| Oct 06, 2025 | Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 23, 2026 · Amount on Record |
| Deed Sale | Jun 23, 2026 · Amount on Record |
| Prior Sale | Oct 06, 2025 · Amount on Record |
| Deed Document Number | 2026 |
| Deed Book / Page | 9172 / 166 |
| Transfer Doc | 0000273411 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Jun 23, 2026 |
| Property Address | 14 WHITE SAIL CIR, BERLIN, MD 21811-1514 |
| Document Number | 9172000166 |
| Book / Page | 9172 / 166 |
| Instrument Date | Jun 11, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 02, 2026 |
| Title Company | CAPITAL TITLE, CAPITOL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $43,329.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 14 WHITE SAIL CIR, BERLIN, MD 21811-1514 |
| Document Number | 9172000173, |
|---|---|
| Date | Jun 23, 2026 |
| Book Page | 9172/173 |
| Name | WESBANCO BANK INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Oct 06, 2025 |
| Property Address | 14 WHITE SAIL CIR, OCEAN PINES, MD 21811-1514 |
| Document Number | 0090190197 |
| Book / Page | 9019 / 197 |
| Instrument Date | Sep 26, 2025 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 23 NOTTINGHAM LN, OCEAN PINES, MD 21811-1660 |
| Document Number | 0009019202 |
|---|---|
| Date | Oct 06, 2025 |
| Instrument | 9019/202 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2055 |
Source: Worcester County records · Assessment roll updated July 31, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Unified School District | Worcester County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $298,000 (+7.89%) | $319,800 (-) Land $80,500 Building $239,300 | |
| 2025 | $2,549.00 (+12.34%) | $276,200 (+16.46%) | $319,800 (+25.71%) Land $80,500 Building $239,300 |
| 2023 | $2,269.00 | $237,167 | $254,400 Land $80,500 Building $173,900 |
Source: FEMA National Flood Hazard Layer as of June 4, 2020 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 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 |
|
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 540 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | OCEAN PINES serves 11,890 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | 3 ppb (2021–2023) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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