203 Top Deck Ct, Berlin, MD 21811 Property Records

Worcester County property record for 203 Top Deck Ct, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,190 sqft · built 2006
Lot Size	0.417 acres (18,186 sqft)
Owner	2 Individual Names on Record
Last Sale	$318,600 (Feb 2019)
Tax Bill	$7,452 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-162176`

Property Details

APN / Parcel Number

Primary APN	`03-162176`
Alternative APN	`162176`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,190 sqft Total Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	18,186 sqft (0.417 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	28 sqft
Deck Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	162176
Street Address	203 TOP DECK CT
City	BERLIN
State	MD
Zip	21811-1720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 26 PH 1S 18186 SF BLOCKADE CT DECATUR FARMS PL
Legal Subdivision	DECATUR FARMS
Legal Phase	1S
Legal Lot Number	26
Jurisdiction	WORCESTER MD
Township / Civil Division	2, CENTRAL
Census Block Group	3
Census Block	3004
Census Tract	951000

Owner

Source: Worcester County records, as of August 18, 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	203 TOP DECK CT, BERLIN, MD 21811-1720
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Aug 14, 2020	Loan Modification, Mortgage · FHA Mortgage MISCELLANEOUS GOVT AGCY
Feb 19, 2019	Deed, Transfer · FHA Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2019 · Amount on Record
Deed Sale	Feb 19, 2019 · Amount on Record
Prior Sale	Feb 8, 2007 · Amount on Record
Deed Book / Page	7366 / 401
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	203 TOP DECK CT, BERLIN, MD 21811-1720
Document Number	0077650389
Instrument Date	Aug 14, 2020
Transaction Type	Mortgage
Record Updated	Oct 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 TOP DECK CT BERLIN MD 218111720, BERLIN, MD 21811-1720

Mortgage

Document Number	0077650389
Date	Sep 9, 2020
Book Page	007765/000389

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 8, 2050

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WORCESTER MD
Property Address	203 TOP DECK CT, BERLIN, MD 21811-1720
Document Number	0077540435
Instrument Date	Aug 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 24, 2020
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 TOP DECK CT BERLIN MD 218111720, BERLIN, MD 21811-1720

Mortgage

Document Number	0077540435
Date	Aug 28, 2020
Book Page	007754/000435

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	446 WRENPLACE RD, FORT MILL, SC 29715-0200

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2050

Interest

Rate	3.62%

February 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Feb 19, 2019
Property Address	203 TOP DECK CT, BERLIN, MD 21811-1720
Document Number	0073660401
Book / Page	7366 / 401
Map Reference	MB SVH189 FO 28-47
Instrument Date	Feb 1, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	BRENNAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	203 TOP DECK CT, BERLIN, MD 21811-1720

Mortgage

Document Number	0007366409
Date	Feb 19, 2019
Instrument	7366/409

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

Source: Worcester County assessment roll, as of July 31, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$449,433 (+21.44%)	$472,100 (+16.83%) Land $78,100 Building $394,000
2025	$7,452.00 (+12.84%)
2023	$6,604.00	$370,100	$404,100 Land $78,100 Building $326,000

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	4 (1989–1998)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Feb 1998 · 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.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 BERLIN serves 4,500 people · EPA ID MD0230001
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	5 ppb (2022–2024) 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 61 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Nearby Properties on Top Deck Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures