22 Cresthaven Dr, Berlin, MD 21811 Property Records

Worcester County property record for 22 Cresthaven Dr, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	1 ba · 912 sqft · built 1982
Lot Size	0.224 acres (9,750 sqft)
Owner	Individual Name on File
Last Sale	$281,000 (Nov 2025)
Tax Bill	$1,946 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-044092`

Property Details

APN / Parcel Number

Primary APN	`03-044092`
Alternative APN	`044092`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	912 sqft Total Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,750 sqft (0.224 acres)
Porch	Slab
Porch Area	240 sqft
Deck Area	128 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	044092
Street Address	22 CRESTHAVEN DR
City	BERLIN
State	MD
Zip	21811-1903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT B-09-649 9750 SQ FT CREST HAVEN DRIVE PL OCEAN PINES SEC NINE
Legal Subdivision	OCEAN PINES SEC 09
Legal Lot Number	649
Jurisdiction	WORCESTER MD
Township / Civil Division	5, OCEAN PINES
Census Block Group	1
Census Block	1007
Census Tract	951102

Owner

Source: Worcester County records · APN 03-044092

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 Record	Individual Name on File
Mailing Address	22 CRESTHAVEN DR, BERLIN, MD 21811-1903
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 10, 2025 · Amount on Record
Deed Sale	Nov 10, 2025 · Amount on Record
Prior Sale	Aug 16, 2023 · Amount on Record
Deed Book / Page	9039 / 133
Prior Transfer Date	Jan 17, 2014
Prior Transfer Doc	0063240249
Record Updated	Sep 20, 2026

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Nov 10, 2025
Property Address	22 CRESTHAVEN DR, OCEAN PINES, MD 21811-1903
Document Number	0090390133
Book / Page	9039 / 133
Map Reference	MB 13 FO 19
Instrument Date	Nov 05, 2025
Transaction Type	Transfer
Record Updated	Dec 08, 2025
Title Company	TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCES GUARANTY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,405.00
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 in Severalty
Address	22 CRESTHAVEN DR, OCEAN PINES, MD 21811-1903

Mortgage

Document Number	0009039141
Date	Nov 10, 2025
Instrument	9039/141

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Dec 01, 2035
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	11.5%
Index	1-Year CMT
Max Rate	11.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
County	Worcester County
Unified School District	Worcester 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$231,933 (+9.99%)	$253,000 (-) Land $93,500 Building $159,500
2025	$1,946.00 (+17.58%)	$210,867 (+21.87%)	$253,000 (+33.3%) Land $93,500 Building $159,500
2023	$1,655.00	$173,033	$189,800 Land $79,500 Building $110,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 4, 2020 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 301 policies
Nearby Flood Policies	301 in force
Nearby Flood Claims	6 (2011–2026)
Most Recent Claim	Jul 2026 · other causes

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mediacom Communications Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 419 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	OCEAN PINES serves 11,890 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.