154 Teal Cir, Berlin, MD 21811 Property Records

Worcester County property record for 154 Teal Cir, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,288 sqft · built 1990
Lot Size	0.242 acres (10,520 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Aug 2019)
Tax Bill	$3,421 (2026)
Deeds & Mortgages	May 2021 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`03-073971`

Property Details

APN / Parcel Number

Primary APN	`03-073971`
Alternative APNs	`3073971` `073971`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,288 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,520 sqft (0.242 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	300 sqft
Deck Area	132 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	073971
Street Address	154 TEAL CIR
City	BERLIN
State	MD
Zip	21811-1531
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT C-04-331 10520 SQ FT TEAL CIRCLE PL OCEAN PINES SEC 4
Legal Subdivision	TEAL BAY
Legal Lot Number	331
Jurisdiction	WORCESTER MD
Township / Civil Division	6, NORTHERN
Census Block Group	1
Census Block	1001
Census Tract	950600

Owner

154 Teal Cir is owned by two individuals who bought it in August 2019.

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	2 Individual Names on File
Mailing Address	1514 PATAPSCO ST, BALTIMORE, MD 21230-4508
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC COAST MORTGAGE
Aug 2, 2019	Grant Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2019 · Amount on File
Deed Sale	Aug 2, 2019 · Amount on File
Prior Sale	Sep 2, 2005 · Amount on File
Deed Book / Page	7465 / 495
Prior Transfer Date	Nov 6, 2006
Prior Transfer Doc	0048250422
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	154 TEAL CIR, OCEAN PINES, MD 21811-1531
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	KEY TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080420308
Date	May 7, 2021
Book Page	8042/308

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2036

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WORCESTER MD
Recording Date	Aug 2, 2019
Property Address	154 TEAL CIR, OCEAN PINES, MD 21811-1531
Document Number	0074650495
Book / Page	007465 / 000495
Instrument Date	Jul 31, 2019
Transaction Type	Transfer
Record Updated	Aug 29, 2019
Title Company	BRENNAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1514 PATAPSCO ST BALTIMORE MD 212304508, BALTIMORE, MD 21230-4508

Mortgage

Document Number	74650501
Date	Aug 2, 2019
Book Page	007465/000501

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 154 Teal Cir was $3,421, up 8.7% 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	$3,421.00 (+8.67%)	$370,667 (+8.66%)	$400,200 (-) Land $181,500 Building $218,700
2025	$3,148.00	$341,133	$400,200 Land $181,500 Building $218,700
2023	$2,925.00	$305,667	$311,600 Land $164,000 Building $147,600

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

Flood

FEMA maps place 154 Teal Cir in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 351 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	388 units insured incl. 37 condo units
Nearby Flood Claims	78 (1978–2021)
Claims Outside the SFHA	13 of 78
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 7 claims Hurricane Isabel, Sep 2003 · 3 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

Wildfire risk around 154 Teal Cir 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 99.1% of the US · lower than 98.5% 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.

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 467 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

Cell Coverage

5G (outdoors only) and 4G LTE

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