15 Hemlock Ln, Berlin, MD 21811 Property Records

Worcester County property record for 15 Hemlock Ln, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,404 sqft · built 1995
Lot Size	0.226 acres (9,846 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Feb 2022)
Tax Bill	$3,063 (2026)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Dec 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`03-109356`

Property Details

APN / Parcel Number

Primary APN	`03-109356`
Alternative APN	`109356`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,404 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,846 sqft (0.226 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	109356
Street Address	15 HEMLOCK LN
City	BERLIN
State	MD
Zip	21811-2037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT B-10-560 9846 SQ FT HEMLOCK LANE PL OCEAN PINES SEC 10
Legal Subdivision	OCEAN PINES SEC 10
Legal Lot Number	560
Jurisdiction	WORCESTER MD
Township / Civil Division	5, OCEAN PINES
Census Block Group	2
Census Block	2014
Census Tract	951101

Owner

15 Hemlock Ln is owned and occupied by an individual who bought it in February 2022.

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

Owner of Record	Individual Name on File
Mailing Address	15 HEMLOCK LN, BERLIN, MD 21811-2037
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
Feb 9, 2022	Deed, Transfer · Stand-Alone First Mortgage MICHELE BRUDER
Dec 3, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2022 · Amount on File
Deed Sale	Feb 9, 2022 · Amount on File
Prior Sale	Feb 9, 1995 · Amount on File
Deed Book / Page	8307 / 392
Prior Transfer Date	Feb 8, 2022
Prior Transfer Doc	0083070392
Record Updated	Oct 29, 2026

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Feb 9, 2022
Property Address	15 HEMLOCK LN, OCEAN PINES, MD 21811-2037
Document Number	0083070392
Book / Page	8307 / 392
Map Reference	MB 4 FO 45
Instrument Date	Feb 8, 2022
Transaction Type	Transfer
Record Updated	Sep 25, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 HEMLOCK LN, BERLIN, MD 21811-2037

Mortgage

Document Number	0008307396
Date	Feb 9, 2022
Instrument	8307/396

Lender

Name	MICHELE BRUDER
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	144 Months
Due	Feb 1, 2034

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WORCESTER MD
Recording Date	Dec 3, 2021
Property Address	15 HEMLOCK LN, OCEAN PINES, MD 21811-2037
Document Number	0082480322
Book / Page	8248 / 322
Map Reference	MB FWH14 FO 45
Instrument Date	Mar 19, 2021
Transaction Type	Transfer
Record Updated	Sep 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 HEMLOCK LN, OCEAN PINES, MD 21811-2037

Tax Assessment & Valuation

The 2026 property tax bill for 15 Hemlock Ln was $3,063, up 6.7% 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	$3,063.00 (+6.69%)	$331,867 (+6.66%)	$352,600 (-) Land $93,600 Building $259,000
2025	$2,871.00	$311,133	$352,600 Land $93,600 Building $259,000
2023	$2,552.00	$266,767	$290,400 Land $89,600 Building $200,800

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

Flood

FEMA maps place 15 Hemlock Ln in Zone X, an area of minimal flood risk.

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 62 policies
Nearby Flood Policies	62 in force

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 15 Hemlock Ln 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 95% of the US · lower than 90% 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 330 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Choptank Fiber.

Nearby Properties on Hemlock Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures