154 Pine Tree Rd, Ocean City, MD 21842 Property Records

Worcester County property record for 154 Pine Tree Rd, Ocean City, MD 21842

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,145 sqft · built 2010
Lot Size	0.088 acres (3,844 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,797 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-192021`

Property Details

APN / Parcel Number

Primary APN	`10-192021`
Alternative APN	`192021`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,145 sqft Total Area
Utility Area	50 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,844 sqft (0.088 acres)
Lot Dimensions	84 ft deep x 45 ft wide
Porch	Slab
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	192021
Street Address	154 PINE TREE RD
City	OCEAN CITY
State	MD
Zip	21842-4646
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Description	LOT 1345 SEC 2 PINE TREE RD PL MONTEGO BAY MOB HM PK
Legal Subdivision	MONTEGO BAY MOBILE HOME PARK
Legal Lot Number	222B
Jurisdiction	WORCESTER MD
Township / Civil Division	7, OCEAN CITY
Census Block Group	2
Census Block	2011
Census Tract	950300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	154 PINE TREE RD, OCEAN CITY, MD 21842-4646
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Jan 4, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2007
Deed Sale	Jul 5, 2007
Prior Sale	Jun 16, 1982 · Amount on Record
Deed Document Number	2007365577
Deed Book / Page	4960 / 628
Last Transfer Date	Nov 30, 2018
Transfer Doc	0073470218
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	154 PINE TREE RD, OCEAN CITY, MD 21842-4646
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0077070345
Date	Jul 13, 2020
Book Page	7707/345

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

January 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WORCESTER MD
Recording Date	Jan 4, 2019
Property Address	154 PINE TREE RD, OCEAN CITY, MD 21842-4646
Document Number	0073470218
Book / Page	7347 / 218
Map Reference	LB FWH14 FO 18
Instrument Date	Nov 30, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	SWAN TITLE CORP

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	154 PINE TREE RD, OCEAN CITY, MD 21842-4646

Mortgage

Document Number	0007347227
Date	Jan 4, 2019
Instrument	7347/227

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

Source: Worcester County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Worcester County
Municipality	Ocean City Town
Unified School District	Worcester County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,797.00 (+15.9%)	$649,000 (+16.76%) Land $190,000 Building $459,000	$649,000 (-) Land $190,000 Building $459,000
2025	$7,590.00 (+45.74%)	$555,833 (+50.43%)	$649,000 (+75.64%) Land $190,000 Building $459,000
2023	$5,208.00	$369,500 Land $110,000 Building $259,500	$369,500 Land $110,000 Building $259,500

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 346 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	497 units insured incl. 151 condo units
Nearby Flood Claims	93 (1982–2023)
Claims Outside the SFHA	14 of 93
Most Recent Claim	Jan 2023 · other causes
Claims by Event	Hurricane Sandy, Oct 2012 · 40 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 OCEAN CITY serves 30,000 people · EPA ID MD0230003
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 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 592 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Eastern Shore Communications.

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