Worcester County property record for 15 Serf Pl, Berlin, MD 21811
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,232 sqft · built 1984 |
| Lot Size | 0.207 acres (9,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $225,000 (Jun 2018) |
| Tax Bill | $2,693 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Jun 2018 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-107868 |
| Primary APN | 03-107868 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,232 sqft Total Area |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,000 sqft (0.207 acres) |
| Porch | Slab |
| Porch Area | 150 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 107868 |
|---|---|
| Street Address | 15 SERF PL |
| City | BERLIN |
| State | MD |
| Zip | 21811-1665 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT B-10-311 9000 SQ FT SERF PLACE PL OCEAN PINES SEC 10 |
| Legal Subdivision | OCEAN PINES |
| Legal Lot Number | 311 |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 5, OCEAN PINES |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 951101 |
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 | 15 SERF PL, BERLIN, MD 21811-1665 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 6, 2020 | Deed of Trust, Mortgage · Conventional with PMI EMBRACE HM LOANS |
| Jun 8, 2018 | Grant Deed, Transfer · Conventional with PMI EMBRACE HM LOANS |
| Nov 16, 2017 | Grant Deed, Transfer · Line of Credit BANK OF OCEAN CTY |
| Sep 12, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 8, 2018 · Amount on Record |
| Deed Sale | Jun 8, 2018 · Amount on Record |
| Prior Sale | Nov 16, 2017 · Amount on Record |
| Deed Book / Page | 7228 / 150 |
| Prior Transfer Date | Aug 16, 2017 |
| Prior Transfer Doc | 0070740157 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Property Address | 15 SERF PL, BERLIN, MD 21811-1665 |
| Document Number | 0076390023 |
| Instrument Date | Apr 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2020 |
| Title Company | BRENNAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 15 SERF PL BERLIN MD 218111665, BERLIN, MD 21811-1665 |
| Document Number | 0076390023 |
|---|---|
| Date | Apr 21, 2020 |
| Book Page | 007639/000023 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 20, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Jun 8, 2018 |
| Property Address | 15 SERF PL, BERLIN, MD 21811-1665 |
| Document Number | 0072280150 |
| Book / Page | 007228 / 000150 |
| Instrument Date | Jun 6, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2018 |
| Title Company | BRENNAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $225.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 15 SERF PL OCEAN PINES MD 218111665, OCEAN PINES, MD 21811-1665 |
| Document Number | 72280156 |
|---|---|
| Date | Jun 8, 2018 |
| Book Page | 007228/000156 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 7, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Nov 16, 2017 |
| Property Address | 15 SERF PL, BERLIN, MD 21811-1665 |
| Document Number | 0071160311 |
| Book / Page | 007116 / 000311 |
| Instrument Date | Nov 10, 2017 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2017 |
| Title Company | BRENNAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $140.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 11102 WORCESTER HWY BERLIN MD 218113334, BERLIN, MD 21811-3334 |
| Document Number | 71160315 |
|---|---|
| Date | Nov 16, 2017 |
| Book Page | 007116/000315 |
| Name | BANK OF OCEAN CTY |
|---|---|
| Type | Bank |
| Address | OCEAN CITY, MD 21843 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Sep 12, 2017 |
| Property Address | 15 SERF PL, BERLIN, MD 21811-1665 |
| Document Number | 0070740157 |
| Book / Page | 007074 / 000157 |
| Instrument Date | Aug 16, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 708 CALIFORNIA ST NW ALBUQUERQUE NM 87108, ALBUQUERQUE, NM 87108 |
Source: Worcester County assessment roll, as of July 31, 2025
| 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 | $316,100 (+8.33%) | $340,400 (-) Land $93,000 Building $247,400 | |
| 2025 | $2,693.00 (+13.72%) | $291,800 (+17.88%) | $340,400 (+27.25%) Land $93,000 Building $247,400 |
| 2023 | $2,368.00 | $247,533 | $267,500 Land $89,000 Building $178,500 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% 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.
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 285 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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