21 Windward Ct, Berlin, MD 21811 Property Records

Worcester County property record for 21 Windward Ct, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,320 sqft · built 1977
Lot Size	0.727 acres (31,668 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Mar 2022)
Tax Bill	$3,776 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`03-074870`

Property Details

APN / Parcel Number

Primary APN	`03-074870`
Alternative APN	`074870`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,320 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	31,668 sqft (0.727 acres)
View / Lot	Waterfront

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	144 sqft
Deck Area	372 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	074870
Street Address	21 WINDWARD CT
City	BERLIN
State	MD
Zip	21811-1544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT C-04-314 31668 SQ FT WINDWARD COURT PL OCEAN PINES SEC 4
Legal Subdivision	OCEAN PINES SEC 04
Legal Lot Number	314
Jurisdiction	WORCESTER MD
Township / Civil Division	6, NORTHERN
Census Block Group	1
Census Block	1000
Census Tract	950600

Owner

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	2 Individual Names on Record
Mailing Address	21 WINDWARD CT, BERLIN, MD 21811-1544
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2022 · Amount on Record
Deed Sale	Mar 31, 2022 · Amount on Record
Prior Sale	May 3, 1982 · Amount on Record
Deed Book / Page	8350 / 133
Record Updated	Oct 29, 2026

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Mar 31, 2022
Property Address	21 WINDWARD CT, OCEAN PINES, MD 21811-1544
Document Number	0083500133
Book / Page	8350 / 133
Map Reference	MB FWH11 FO 54
Instrument Date	Mar 25, 2022
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	SAGE TITLE GROUP LLC

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21 WINDWARD CT, BERLIN, MD 21811-1544

Mortgage

Document Number	0008350139
Date	Mar 31, 2022
Instrument	8350/139

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

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	$3,776.00 (+1.23%) Homeowner's exemption	$468,733 (+9.27%)	$508,500 (-) Land $211,600 Building $296,900
2025	$3,730.00 (+3.32%) Homeowner's exemption	$428,967 (+13.7%)	$508,500 (+30.65%) Land $211,600 Building $296,900
2023	$3,610.00	$377,267	$389,200 Land $192,100 Building $197,100

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	6.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% 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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