Worcester County property record for 174 Windjammer Rd, Berlin, MD 21811
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,877 sqft · built 1994 |
| Lot Size | 0.216 acres (9,397 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $578,500 (May 2022) |
| Tax Bill | $3,395 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage May 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-068528 |
| Primary APN | 03-068528 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,877 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,397 sqft (0.216 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 068528 |
|---|---|
| Street Address | 174 WINDJAMMER RD |
| City | BERLIN |
| State | MD |
| Zip | 21811-1830 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT B O6 169 9397 SQ FT WINDJAMMER RD PLAT OCEAN PINES SEC 6 |
| Legal Subdivision | OCEAN PINES SEC 06 |
| Legal Lot Number | 169,B |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 5, OCEAN PINES |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 950600 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 174 WINDJAMMER RD, BERLIN, MD 21811-1830 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 23, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 10, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage USAA FSB |
| Jun 27, 2019 | Grant Deed, Transfer · Conventional with PMI USAA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 10, 2022 · Amount on Record |
| Deed Sale | May 10, 2022 · Amount on Record |
| Prior Sale | Jun 27, 2019 · Amount on Record |
| Deed Book / Page | 8381 / 56 |
| Prior Transfer Date | Nov 5, 2021 |
| Prior Transfer Doc | 0083810056 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Jul 23, 2026 |
| Property Address | 174 WINDJAMMER RD, BERLIN, MD 21811-1830 |
| Document Number | 9189000132 |
| Book / Page | 9189 / 132 |
| Instrument Date | Jul 18, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2026 |
| Title Company | ROCKET TITLE GROUP LLC, ROCKET CLOSE LLC |
| Name | Verified Name |
|---|---|
| Address | 174 WINDJAMMER RD, BERLIN, MD 21811-1830 |
| Document Number | 9189000132, |
|---|---|
| Date | Jul 23, 2026 |
| Book Page | 9189/132 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | May 10, 2022 |
| Property Address | 174 WINDJAMMER RD, OCEAN PINES, MD 21811-1830 |
| Document Number | 0083810056 |
| Book / Page | 8381 / 56 |
| Instrument Date | Nov 5, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2022 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 174 WINDJAMMER RD, OCEAN PINES, MD 21811-1830 |
| Document Number | 0008381065 |
|---|---|
| Date | May 10, 2022 |
| Instrument | 8381-065 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Dec 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Jun 27, 2019 |
| Property Address | 174 WINDJAMMER RD, OCEAN PINES, MD 21811-1830 |
| Document Number | 0074470008 |
| Book / Page | 007447 / 000008 |
| Instrument Date | Jun 14, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jul 9, 2019 |
| Title Company | REAL ESTATE TITLE AND ESCROW, REAL ESTATE TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $268.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 7803 MISTY CT GAITHERSBURG MD 208773820, GAITHERSBURG, MD 20877-3820 |
| Document Number | 74470014 |
|---|---|
| Date | Jun 27, 2019 |
| Book Page | 007447/000014 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 26, 2049 |
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 | $3,395.00 (+9.38%) | $367,833 (+9.35%) | $399,300 (-) Land $93,200 Building $306,100 |
| 2025 | $3,104.00 (+16.65%) | $336,367 (+20.95%) | $399,300 (+30.96%) Land $93,200 Building $306,100 |
| 2023 | $2,661.00 | $278,100 | $304,900 Land $81,900 Building $223,000 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 26 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 26 in force |
| Nearby Flood Claims | 13 (1979–2017) |
| Claims Outside the SFHA | 7 of 13 |
| Most Recent Claim | Aug 2017 · rainfall accumulation |
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 87% 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 419 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 |
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