220 Broad St, Berlin, MD 21811 Property Records

Worcester County property record for 220 Broad St, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,625 sqft · built 1958
Lot Size	1.47 acres (64,033 sqft)
Owner	2 Individual Names on Record
Last Sale	$595,000 (Jul 2019)
Tax Bill	$10,973 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-027295`

Property Details

APN / Parcel Number

Primary APN	`03-027295`
Alternative APN	`027295`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	2,625 sqft Total Area
Basement Area	840 sqft
Finished Basement	840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	64,033 sqft (1.47 acres)
Lot Dimensions	3 ft deep x 1 ft wide

Exterior Amenities

Pool Area	882 sqft
Porch	Slab
Porch Area	202 sqft
Deck Area	180 sqft
Shed	1 Shed
Shed Area	1,056 sqft
Bath House	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	027295
Street Address	220 BROAD ST
City	BERLIN
State	MD
Zip	21811-1018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	156 X 325 S SIDE BROAD STREET BERLIN
Legal Subdivision	MICHAEL P DARNELL
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	3
Census Block	3039
Census Tract	950800

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	220 BROAD ST, BERLIN, MD 21811-1018
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Sep 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
Jul 31, 2019	Special Warranty Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2019 · Amount on Record
Deed Sale	Jul 31, 2019 · Amount on Record
Prior Sale	Aug 8, 2006 · Amount on Record
Deed Book / Page	7464 / 355
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	220 BROAD ST, BERLIN, MD 21811-1018
Transaction Type	Mortgage
Record Updated	Nov 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0084810311
Date	Oct 25, 2022
Book Page	8481/311

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	220 BROAD ST, BERLIN, MD 21811-1018
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0077870170
Date	Sep 30, 2020
Book Page	7787/170

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

July 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WORCESTER MD
Recording Date	Jul 31, 2019
Property Address	220 BROAD ST, BERLIN, MD 21811-1018
Document Number	0074640355
Book / Page	7464 / 355
Instrument Date	Jul 29, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CAPITOL TITLE GROUP

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

Mortgage

Document Number	0007464362
Date	Jul 31, 2019
Instrument	7464/362

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	73 Months
Due	Aug 1, 2025

Tax Assessment & Valuation

Source: Worcester County assessment roll, as of October 6, 2026

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	$10,973.00 (+2.82%) Homeowner's exemption	$671,867 (+23.31%)	$714,600 (+21.86%) Land $98,700 Building $615,900
2025	$10,672.00 (+9.76%) Homeowner's exemption
2023	$9,723.00	$544,867	$586,400 Land $98,700 Building $487,700

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	6 (2003–2017)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Aug 2017

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	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	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 193 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: AT&T, Verizon.

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