Worcester County property record for 190 Pine Tree Rd, Ocean City, MD 21842
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,296 sqft · built 2010 |
| Lot Size | 0.083 acres (3,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $482,500 (Nov 2019) |
| Tax Bill | $9,071 (2026) |
| Deeds & Mortgages | Nov 2019 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 10-188911 |
| Primary APN | 10-188911 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,296 sqft Total Area |
| Utility Area | 75 sqft |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 3,600 sqft (0.083 acres) |
| Lot Dimensions | 90 ft deep x 40 ft wide |
| View / Lot | Waterfront |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 240 sqft |
| Deck Area | 200 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 188911 |
|---|---|
| Street Address | 190 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 1246 SEC 2 PINE TREE RD PL MONTEGO BAY MOB HM PK |
| Legal Subdivision | MONTEGO BAY MOBILE HOME PARK SECTION TWO |
| Legal Lot Number | 1299B |
| Jurisdiction | WORCESTER MD |
| Township / Civil Division | 7, OCEAN CITY |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 950300 |
190 Pine Tree Rd is owned by two individuals who bought it in November 2019.
Source: Worcester County records, as of October 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3007 AMPLE CT, BOWIE, MD 20716-1340 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 18, 2019 · Amount on File |
| Deed Sale | Nov 18, 2019 · Amount on File |
| Prior Sale | Jun 10, 2014 · Amount on File |
| Deed Book / Page | 7536 / 241 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WORCESTER MD |
| Recording Date | Nov 18, 2019 |
| Property Address | 190 PINE TREE RD, OCEAN CITY, MD 21842-4646 |
| Document Number | 0075360241 |
| Book / Page | 7536 / 241 |
| Map Reference | MB 14 PG 18 |
| Instrument Date | Nov 15, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3007 AMPLE CT, BOWIE, MD 20716-1340 |
| Document Number | 0007536252 |
|---|---|
| Date | Nov 18, 2019 |
| Instrument | 7536/252 |
| Name | HOMESIDE FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
The 2026 property tax bill for 190 Pine Tree Rd was $9,071, up 11.5% from the year before.
Source: Worcester County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Worcester County |
| Municipality | Ocean City Town |
| Unified School District | Worcester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,071.00 (+11.46%) | $669,200 Land $335,000 Building $334,200 | $669,200 Land $335,000 Building $334,200 |
| 2025 | $8,138.00 | ||
| 2023 | $6,336.00 | $449,500 Land $232,000 Building $217,500 | $449,500 Land $232,000 Building $217,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 190 Pine Tree Rd 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 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 |
|
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.
The area around 190 Pine Tree Rd has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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