Worcester County property record for 15 Pinehurst Rd, Berlin, MD 21811
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,467 sqft · built 1976 |
| Lot Size | 0.224 acres (9,750 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $229,200 (Aug 2017) |
| Tax Bill | $3,092 (2026) |
| Deeds & Mortgages | Jan 2021 Mortgage Apr 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-049132 |
| Primary APN | 03-049132 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,467 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,750 sqft (0.224 acres) |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 168 sqft |
| Deck Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 049132 |
|---|---|
| Street Address | 15 PINEHURST RD |
| City | BERLIN |
| State | MD |
| Zip | 21811-1619 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT B-03-179 9750 SQ FT PINEHURST RD PLAT OCEAN PINES SEC 3 |
| Legal Subdivision | OCEAN PINES SEC 03 |
| Legal Lot Number | 179 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 6, NORTHERN |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 950700 |
Source: Worcester County records, as of October 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 15 PINEHURST RD, BERLIN, MD 21811-1619 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC |
| Apr 9, 2018 | Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HM LOANS |
| Aug 1, 2017 | Deed, Transfer · ARM EASTERN SAVINGS BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 1, 2017 · Amount on Record |
| Deed Sale | Aug 1, 2017 · Amount on Record |
| Prior Sale | Jun 5, 2013 · Amount on Record |
| Deed Document Number | 20177049-352 |
| Deed Book / Page | 7049 / 352 |
| Prior Transfer Date | Aug 13, 2007 |
| Prior Transfer Doc | 0049820005 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 15 PINEHURST RD, OCEAN PINES, MD 21811-1619 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | EQUITY NATL TTL & CLOSING SV |
| Name | Verified Name |
|---|
| Document Number | 0078930435 |
|---|---|
| Date | Jan 7, 2021 |
| Book Page | 7893/435 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 15 PINEHURST RD, OCEAN PINES, MD 21811-1619 |
| Document Number | 0071910286 |
| Instrument Date | Apr 9, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2018 |
| Title Company | CAPITOL TITLE COMPANY INC |
| Name | Verified Name |
|---|---|
| Address | 15 PINEHURST RD OCEAN PINES MD 218111619, OCEAN PINES, MD 21811-1619 |
| Document Number | 0071910286 |
|---|---|
| Date | Apr 11, 2018 |
| Book Page | 007191/000286 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 10, 2048 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Aug 1, 2017 |
| Property Address | 15 PINEHURST RD, OCEAN PINES, MD 21811-1619 |
| Document Number | 0070490352 |
| Book / Page | 7049 / 352 |
| Map Reference | MB FWH 11 FO45 |
| Instrument Date | Jul 28, 2017 |
| Instrument | 7049-352 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | CAPITOL TITLE INS AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 15 PINEHURST RD, BERLIN, MD 21811-1619 |
| Document Number | 7049358 |
|---|---|
| Date | Aug 1, 2017 |
| Instrument | 7049-358 |
| Name | EASTERN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Type Change Date | Aug 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 6.25% |
| Max Rate At Change | 11.2% |
| Index | 1-Year LIBOR |
| Max Rate | 12.2% |
Source: Worcester County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Unified School District | Worcester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,092.00 (+8.83%) | $335,000 (+8.84%) | $362,200 (-) Land $93,500 Building $268,700 |
| 2025 | $2,841.00 (+12.87%) | $307,800 (+17%) | $362,200 (+29.08%) Land $93,500 Building $268,700 |
| 2023 | $2,517.00 | $263,067 | $280,600 Land $82,200 Building $198,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 60 policies |
| Nearby Flood Policies | 60 in force |
| Nearby Flood Claims | 26 (1985–2015) |
| Claims Outside the SFHA | 15 of 26 |
| Most Recent Claim | Oct 2015 · tidal / storm surge |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 89% of Maryland |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 517 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 |
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