220 Powell Cir, Berlin, MD 21811 Property Records

Worcester County property record for 220 Powell Cir, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,886 sqft · built 2005
Lot Size	0.481 acres (20,974 sqft)
Owner	2 Individual Names on File
Last Sale	$447,900 (Oct 2019)
Tax Bill	$8,512 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-161765`

Property Details

APN / Parcel Number

Primary APN	`03-161765`
Alternative APN	`161765`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,886 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,974 sqft (0.481 acres)
Garage Type	Attached
Garage Area	478 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	161765
Street Address	220 POWELL CIR
City	BERLIN
State	MD
Zip	21811-1184
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 49 20,974 SQ FT PL 188/28 POWELL CIR FRANKLIN KNOLL SUBD
Legal Subdivision	POWELL CIR FRANKLIN KNOLL SUB
Legal Lot Number	49
Jurisdiction	WORCESTER MD
Township / Civil Division	3, SINEPUXENT
Census Block Group	3
Census Block	3040
Census Tract	950800

Owner

220 Powell Cir is owned and occupied by two individuals who bought it in October 2019.

Source: Worcester County records, as of October 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	220 POWELL CIR, BERLIN, MD 21811-1184
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL FEDERAL CREDIT UNION/MD
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Oct 10, 2019	Grant Deed, Transfer · Conventional with PMI NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2019 · Amount on File
Deed Sale	Oct 10, 2019 · Amount on File
Prior Sale	Apr 26, 2010 · Amount on File
Deed Book / Page	7510 / 57
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Recording Date	Apr 29, 2026
Property Address	220 POWELL CIR, BERLIN, MD 21811-1184
Document Number	9138000084
Book / Page	9138 / 84
Instrument Date	Apr 21, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	220 POWELL CIR, BERLIN, MD 21811-1184

Mortgage

Document Number	9138000084,
Date	Apr 29, 2026
Book Page	9138/84

Lender

Name	FIRST FINANCIAL FEDERAL CREDIT UNION/MD

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 30, 2046

Interest

Rate	6.38%
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	220 POWELL CIR, BERLIN, MD 21811-1184
Transaction Type	Mortgage
Record Updated	Sep 21, 2023
Title Company	BRENNAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0082130328
Date	Nov 2, 2021
Book Page	8213/328

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WORCESTER MD
Recording Date	Oct 10, 2019
Property Address	220 POWELL CIR, BERLIN, MD 21811-1184
Document Number	0075100057
Book / Page	007510 / 000057
Instrument Date	Sep 30, 2019
Transaction Type	Transfer
Record Updated	Oct 25, 2019
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$447.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	220 POWELL CIR BERLIN MD 218111184, BERLIN, MD 21811-1184

Mortgage

Document Number	75100063
Date	Oct 10, 2019
Book Page	007510/000063

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 9, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 220 Powell Cir was $8,512 with a homeowner's exemption, up 2.8% from the year before.

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	$8,512.00 (+2.81%) Homeowner's exemption	$520,367 (+5.76%)	$548,700 (-) Land $95,300 Building $453,400
2025	$8,279.00 Homeowner's exemption	$492,033	$548,700 Land $95,300 Building $453,400
2023	$7,838.00 Homeowner's exemption	$445,933	$463,700 Land $95,300 Building $368,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 220 Powell Cir in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2003.

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 File 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

Wildfire risk around 220 Powell Cir is low, with a 0.01% annual chance of 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	0.01% 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 103 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: Choptank Fiber, Verizon.

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