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

Worcester County property record for 185 Pine Tree Rd, Ocean City, MD 21842 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,153 sqft · built 2021
Lot Size0.083 acres (3,600 sqft)
Owner2 Company Names on File
Last Sale$172,000 (Feb 1995)
Tax Bill$7,850 (2025)
Deeds & MortgagesFeb 2021 Line of Credit
Apr 2022 Mortgage
Flood ZoneZone X (moderate risk)
APN10-196795

Property Details

APN / Parcel Number

Primary APN10-196795
Alternative APN
  • 196795

Interior

Full Baths3 Baths
Stories1 Story
Building Area2,153 sqft Total Area
Utility Area100 sqft

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area3,600 sqft (0.083 acres)
Lot Dimensions90 ft deep x 40 ft wide
View / LotWaterfront

Exterior Amenities

Pool TypeSpa / Hot Tub (No Pool)
PorchSlab
Deck Area70 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
SewerConnected

Location & Zoning

Account Number196795
Street Address185 PINE TREE RD
CityOCEAN CITY
StateMD
Zip21842-4645
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 1235 SEC 2 PINE TREE RD PL MONTEGO BAY MOBILE HOME PARK
Legal SubdivisionMONTEGO BAY MOBILE HM PARK SEC
Legal Lot Number1310B
JurisdictionWORCESTER MD
Township / Civil Division7, OCEAN CITY
Census Block Group2
Census Block2003
Census Tract950300

Owner

Source: Worcester County records · APN 10-196795

Assessment roll updated July 31, 2025 · Last verified August 2026

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

Owner of Record2 Company Names on File
Mailing Address185 PINE TREE RD, OCEAN CITY, MD 21842-4645
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Living Trust

Deeds, Mortgages & Sale History

DateDocument
Feb 22, 2021Deed of Trust, Mortgage · Line of Credit
THE BANK OF DOLMARVA
Apr 08, 2022Deed of Trust, Mortgage · Conventional Mortgage
KEYSTONE FUNDING INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 22, 1995 · Amount on Record
Deed SaleFeb 22, 1995 · Amount on Record
Deed Document Number1995295633
Deed Book / Page2137 / 339
Record UpdatedSep 20, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWORCESTER MD
Property Address185 PINE TREE RD, OCEAN CITY, MD 21842-4645
Transaction TypeMortgage
Record UpdatedNov 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0079420394
DateFeb 22, 2021
Book Page7942/394
Lender
NameTHE BANK OF DOLMARVA
AddressSALISBURY, MD 21801
Agreement
TypeLine of Credit
AmountAmount Recorded
Term12 Months
DueFeb 12, 2022

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWORCESTER MD
Property Address185 PINE TREE RD, OCEAN CITY, MD 21842-4645
Transaction TypeMortgage
Record UpdatedNov 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0083570030
DateApr 08, 2022
Book Page8357/30
Lender
NameKEYSTONE FUNDING INC
TypeMortgage Company
AddressDOVER, DE 19901
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueMay 01, 2037

Tax Assessment & Valuation

Source: Worcester County records · Assessment roll updated July 31, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateMaryland
CountyWorcester County
MunicipalityOcean City Town
Unified School DistrictWorcester County Public Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$753,600 (+37.12%) Land $335,000 Building $418,600$753,600 (+37.12%) Land $335,000 Building $418,600
2025$7,850.00 (+2.08%) Homeowner's exemption
2023$7,690.00 Homeowner's exemption$549,600 Land $232,000 Building $317,600$549,600 Land $232,000 Building $317,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (24047C), updated June 4, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240479503002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardModerate
500-Year FloodplainYes
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance CostPremium on Record
median of 346 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies497 units insured
151 under condo master policies
Nearby Flood Claims93 (1982–2023)
Claims Outside the SFHA14 of 93
Most Recent ClaimJan 2023, other causes
Claims By Storm
  • Hurricane Sandy, Oct 2012 · 40 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 592 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
VerizonFixed Wireless1,000 / 75
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: AT&T, Eastern Shore Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

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